{"title":"选择个性化退休收入策略的模型方法","authors":"Alejandro Murguía, W. Pfau","doi":"10.2139/ssrn.3788232","DOIUrl":null,"url":null,"abstract":"This study identifies and validates a set of scorable retirement income factors to define preferences for an overall retirement income style. This investigation further attempts to create a workable model for retirement income planning by showing how the factors connect to four main retirement income strategies: systematic withdrawals with total return investing, risk wrap with deferred annuities, protected income with immediate annuities, and time segmentation or bucketing. Approaching retirement income agnostically and matching retirement income strategies based on an individual’s personal retirement income style may lead to improved outcomes that achieve greater “buy in” and comfort.","PeriodicalId":176300,"journal":{"name":"Microeconomics: Intertemporal Consumer Choice & Savings eJournal","volume":"24 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"A Model Approach to Selecting a Personalized Retirement Income Strategy\",\"authors\":\"Alejandro Murguía, W. Pfau\",\"doi\":\"10.2139/ssrn.3788232\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"This study identifies and validates a set of scorable retirement income factors to define preferences for an overall retirement income style. This investigation further attempts to create a workable model for retirement income planning by showing how the factors connect to four main retirement income strategies: systematic withdrawals with total return investing, risk wrap with deferred annuities, protected income with immediate annuities, and time segmentation or bucketing. Approaching retirement income agnostically and matching retirement income strategies based on an individual’s personal retirement income style may lead to improved outcomes that achieve greater “buy in” and comfort.\",\"PeriodicalId\":176300,\"journal\":{\"name\":\"Microeconomics: Intertemporal Consumer Choice & Savings eJournal\",\"volume\":\"24 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2021-01-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Microeconomics: Intertemporal Consumer Choice & Savings eJournal\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.3788232\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Microeconomics: Intertemporal Consumer Choice & Savings eJournal","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.3788232","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
A Model Approach to Selecting a Personalized Retirement Income Strategy
This study identifies and validates a set of scorable retirement income factors to define preferences for an overall retirement income style. This investigation further attempts to create a workable model for retirement income planning by showing how the factors connect to four main retirement income strategies: systematic withdrawals with total return investing, risk wrap with deferred annuities, protected income with immediate annuities, and time segmentation or bucketing. Approaching retirement income agnostically and matching retirement income strategies based on an individual’s personal retirement income style may lead to improved outcomes that achieve greater “buy in” and comfort.
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