The huge mutual fund company AllanceBernstein just released their study about how adding the guaranteed lifetime benefits of a fixed index annuity (FIA) can improve retirement spending by 10% over the traditional 60/40 portfolio.
It’s not the 1st whitepaper to have similar results! The 60/40 portfolio is dead! Let’s bury it and use strategies for today’s economy.
And I’m guessing the mutual fund company has no idea what the best FIAs are.
Furthermore, they are completely missing my RMD strategy using “Buffer FIAs” which can remove much of your sequence of returns risk during retirement.
With the proper use of FIAs you can get closer to a 5.5% safe withdrawal rate than the disputed 4% rule (which doesn’t work with low bond yields and the stock markets all-time high CAPE ratio).
You can read the 1-page executive summary BELOW. If you’d like the full 6-page whitepaper with all of the details, just email me and ask me for it.
all the best… Mark