Retirement Solutions, not Products
Shortly after the founding of the US, one could expect to live to the ripe old age of 35. People simply worked their entire lives. When Congress passed the Social Security Act in 1935, life expectancy had risen to a robust 61 years. Interestingly, the “retirement age” for full benefits was still set at 65 years, four years beyond life expectancy.
Today, “retirement” in some form is widely expected and, for many, a persistent cause for concern. With current life expectancies, retirement can easily stretch into a person’s 90s. Understanding how to financially plan for this unknown period has become a priority for American employees. Furthermore, understanding their concerns and the risks employees are facing helps us to develop holistic retirement solutions that fund a goal that may be decades away, and could span decades, in a rapidly changing and uncertain environment.
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Additional insights
Collectively Forecasted, Never Arrived
Investment Outlook | Q1 2024
Like driving on ice, the trick to surviving 2024 may be not over committing in one direction. Staying flexible at the beginning of the year should allow for more insightful decisions down the road.
Rethinking Overlay Manager Diversification
LDI
At LGIM America, we believe overlay manager diversification is likely inefficient and creates uncompensated risks. Using multiple overlay managers can result in increased costs, collateral inefficiency and higher governance burdens.
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