Maximizing Retirement Outcomes – A New Path Forward

Wed, Apr 11, 2018 2:02 PM EDT{LOCAL_TZ}

A paradox exists in contemporary DC plans. 69% of DC plan sponsors believe that participants should leave their assets in the plan to be drawn down over time, yet very few have adopted investment solutions to help participants create payout precision, income, and protect against risks like sequencing of returns and longevity.

Professors Michael Finke, Ph.D., CFP and Wade D. Pfau, Ph.D., CFA from The American College have long sought to bring insight and clarity to this important topic. Their latest groundbreaking research has found that defined maturity bond funds with defined payouts and qualifying longevity annuity contracts (QLACs)―either as standalone solutions or in tandem―increase the likelihood that a participant will be able to achieve household retirement spending goals.

This webinar will delve into the specifics of their research findings, including a discussion of: 

  • Their robust model that identifies specific improvements in retirement outcomes by incorporating a series of defined maturity bond funds and QLACs, either individually or in tandem
  • Time segmentation with defined maturity bond funds, and associated behavioral economics benefits
  • A specific strategy to mitigate sequence of returns and longevity risk
  • Longevity annuities as a retirement income strategy

Given the critical role that DC plan balances play in household retirement decisions, it’s time to address payout needs and risks.


Tom Waters
Vice President, Senior Institutional DC Strategist
Franklin Templeton Investments

Michael Finke, Ph.D., CFP
Dean and Chief Academic Officer
The American College of Financial Services

Wade D. Pfau, Ph.D., CFA
Professor of Retirement Income
The American College of Financial Services

Roberta Rafaloff
Vice President, Institutional Income Annuities

Sponsored by:

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