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johnrrafferty
- Jun 28, 2022
- 3 min
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...
101 views0 comments
johnrrafferty
- Jun 23, 2022
- 2 min
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...
66 views0 comments
johnrrafferty
- Mar 1, 2022
- 4 min
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...
48 views0 comments
johnrrafferty
- Feb 17, 2022
- 2 min
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...
45 views0 comments
johnrrafferty
- Feb 3, 2022
- 1 min
DeFAANGED
Meta Platforms (otherwise known as Facebook) laid an egg yesterday with disappointed quarterly results, joining the likes of Netflix as...
19 views0 comments
johnrrafferty
- Jan 26, 2022
- 2 min
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...
22 views0 comments
johnrrafferty
- Jan 21, 2022
- 2 min
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...
59 views0 comments
johnrrafferty
- Jan 18, 2022
- 2 min
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...
59 views0 comments
johnrrafferty
- Jan 12, 2022
- 1 min
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...
60 views0 comments
johnrrafferty
- Jan 7, 2022
- 6 min
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%...
71 views0 comments
johnrrafferty
- Dec 17, 2021
- 1 min
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...
59 views0 comments
johnrrafferty
- Dec 13, 2021
- 2 min
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...
86 views1 comment
johnrrafferty
- Nov 26, 2021
- 1 min
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...
38 views0 comments
johnrrafferty
- Sep 28, 2021
- 2 min
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...
52 views0 comments
johnrrafferty
- Sep 20, 2021
- 2 min
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...
35 views0 comments
johnrrafferty
- Sep 16, 2021
- 2 min
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)...
16 views0 comments
johnrrafferty
- Sep 15, 2021
- 2 min
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...
24 views0 comments
johnrrafferty
- Sep 9, 2021
- 1 min
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...
59 views0 comments
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- Aug 16, 2021
- 1 min
CAPE Fear
This article isn't about the horror movie by the same name; neither the 1962 nor 1991 versions. It's not even about the headland jutting...
22 views0 comments