The information presented is for informational purposes only and sets forth our views as of this date. The framework for retirement investing was informed by academic research from Estrada and Krinzman, and the New York Life Annuities team. These ideas are described in this whitepaper and modeled using a proprietary utility framework. For explanatory purposes the framework leverages historical returns sourced from Bloomberg in risk return modeling where noted. These assumptions are further described in Appendix B. Including annuity estimates for year 1983, when no historical pricing was available.These estimates were based on the relationship between AAA bonds and annuity yields after 2006. An investor cannot invest in an index.
The comments, opinions, and estimates contained herein are based on and/or derived from publicly available information from sources that we believe to be reliable. We do not guarantee the accuracy of such sources or information. The underlying assumptions and our views are subject to change. This does not constitute a specific investment or insurance product recommendation and should not be used as a basis for any decision. Rather, an assessment should be made as to whether the information is appropriate in individual circumstances and consideration should be given to talking to a financial professional before making any decision.
“New York Life Investments” is both a service mark, and the common trade name, of certain investment advisors affiliated with New York Life Insurance Company.
New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company, offers the types of annuities referenced in this whitepaper