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You Don't Need to Think Like a Nobel Laureate to Make (or Help Your Clients Make) Informed Retirement-Related Financial Decisions
Ken Steiner, FSA Retired 
[Opinion] Aug. 16, 2021 "Data points to facilitate many retirement-related financial decisions can be obtained by answering the following two questions ... [1] Does the household have sufficient non-risky assets to fund the present value of their future Essential Expenses (their self-selected 'needs') using assumptions consistent with purchase of these liabilities from an insurance company? ... [2] Does the household have sufficient risky assets to fund the present value of their future Discretionary Expenses (their 'wants') using reasonable assumptions?" |
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