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The Paradox of Choice: Thy Name is Annuity
The historically low interest rate environment that kicked into high gear after the Great Financial Crisis began fourteen years ago...
johnrrafferty
Jun 28, 20223 min read
125 views
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High Income, High Replacement Risk: The Low Down on Social Security
You'll have a hard time coming up with anything resembling pity when you consider a risk faced by many affluent American's regarding...
johnrrafferty
Jun 23, 20222 min read
86 views
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johnrrafferty
Mar 11, 20220 min read
28 views
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Social Security: The Great Equalizer
Whether you are in middle management or the C Suite, one area where economic equity seems to be alive and well is with respect to social...
johnrrafferty
Mar 1, 20224 min read
53 views
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Time Segmentation by Default
In June of 2021, my corporate life ended after an uninterrupted 35-year run. It was a varied and exciting career that took my family from...
johnrrafferty
Feb 17, 20222 min read
47 views
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DeFAANGED
Meta Platforms (otherwise known as Facebook) laid an egg yesterday with disappointed quarterly results, joining the likes of Netflix as...
johnrrafferty
Feb 3, 20221 min read
26 views
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Big Value in Small Stocks via RILA
If you thought January 2009 was bad, when the S&P 500 fell 8.6%, this January is worse yet. If it holds, it will be the worst January on...
johnrrafferty
Jan 26, 20222 min read
38 views
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Limited Time Offer: RILAs on Sale!
With the Russell 2000 firmly in bear market territory, and the NASDAQ heading there quickly it appears, the price of entry for new money...
johnrrafferty
Jan 21, 20222 min read
71 views
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The Numbers Don't Lie
When waxing poetic about the positive attributes of annuities with guaranteed lifetime withdrawal benefits, too often we are fixated on...
johnrrafferty
Jan 18, 20222 min read
66 views
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RILA: Just Another Annuity, or a valid competitor for ETF money?
RILA's have come a long way since AXA rolled out Structured Capital Strategies a decade ago. Initially conceived as a tweener product to...
johnrrafferty
Jan 12, 20221 min read
69 views
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The Fixed Income Wreckoning
Well, it has finally happened it seems. The era of easy money and massive liquidity may finally be coming to a close. The era of 20%...
johnrrafferty
Jan 7, 20226 min read
77 views
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RILA: A More Efficient Frontier
If the efficient frontier was a map of the USA, today's RILAs may be a good vehicle for moving that frontier closer to rainy Seattle and...
johnrrafferty
Dec 17, 20211 min read
71 views
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More Bedsheet, Less Spreadsheet
Almost four years ago, I wrote an article that was published in a LIMRA's Secure Retirement Institute Review titled "Evaluating...
johnrrafferty
Dec 13, 20212 min read
91 views
1 comment


This is black Friday alright
We Americans usually look forward to the beginning of the holiday shopping season with lifted spirits as well as animal spirits lifting...
johnrrafferty
Nov 26, 20211 min read
40 views
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Emerging Markets for Scaredycats: Prepare for Plan E
Emerging markets aren't for the faint of heart. But a 40% discount to the S&P 500 makes them attractive right now. Here's one way to help...
johnrrafferty
Sep 28, 20212 min read
58 views
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Your Money Is Interviewing for Retirement Jobs: Which to Choose?
We're familiar with the old saw about working hard for your money so your money can work hard for you. But at no time does it need to...
johnrrafferty
Sep 20, 20212 min read
40 views
0 comments
7,6,5,4,3..0
No, this isn't a countdown to SpaceX or Blue Origin or Virgin Galactic (insert your billionaire space exploration hobby firm name here)...
johnrrafferty
Sep 16, 20212 min read
22 views
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PUNY RHYMES WITH MUNI
Barron's Penta section recently ran an article entitled "Future Returns: Navigating the Municipal Bond Market." The piece was meant to...
johnrrafferty
Sep 15, 20212 min read
26 views
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THE RETIREMENT INCOME SONNET
"DID I MENTION NO PENSION" By John Rafferty, Raffertyannuityframing.com When the party is over The gold watch presented The commute no...
johnrrafferty
Sep 9, 20211 min read
65 views
0 comments