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Monday, January 29, 2024

American Academy of Actuaries Reinserts Caveat Language into Their Social Security Challenge/Game

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Kudos to the American Academy of Actuaries (AAA) for reinserting the following caveat language in its Social Security Challenge tool. 
Saturday, January 20, 2024

Actuaries Confuse the Primary Causes of the Social Security Funding Shortfall

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The American Academy of Actuaries (Academy) recently published its annual Actuarial Perspective on the annual OASDI (Social Security) Trus...
Friday, January 5, 2024

It’s that Time Once Again for Retired Households to Perform Their Actuarial Valuations

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At the beginning of each calendar year, we encourage our retired (or near-retired) readers to perform an actuarial valuation of their hou...
Wednesday, December 27, 2023

Fixed Dollar SPIAs vs. Fixed Rate Cola SPIAs

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In our last post, we asked whether now (or actually earlier this month) might be a good time to purchase a single premium immediate annui...
Sunday, December 10, 2023

Is It a Good Time to Buy That Single Premium Immediate Life Annuity, Updated

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In prior posts, we discussed possible assumptions used by life insurance company actuaries in pricing single premium immediate life annuit...
Friday, December 8, 2023

Estimating Present Values of Long-Term Care Costs and Survivor Benefits Payable After the First Death Within a Couple

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The Actuarial Approach recommended in this website involves periodically (generally annually) comparing the present value of a retired ho...
Saturday, November 25, 2023

“Safe” Withdrawal Rate Brouhaha

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Periodically, we read articles from William Bengen, the inventor of the safe withdrawal rate (otherwise known as the 4% Rule), from variou...
Thursday, November 16, 2023

We’ve Changed the Default Assumptions in the Actuarial Financial Planner Models

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The last time we changed the default assumptions in our Actuarial Financial Planner (AFP) models was May of last year. Because interest ra...
Saturday, November 11, 2023

Confidently Boost Your Spending in Retirement with the Actuarial Approach

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As discussed many times in this website, the Actuarial Approach employs a model and a process that involves systematic comparison of house...
Sunday, November 5, 2023

Bucketing by Expense Type with the Actuarial Approach

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Many financial advisors employ time segmentation buckets (sometimes simply referred to as “bucketing”) to help their clients fund their de...