Insights and Education

Your source for actionable research around today’s retirement realities

New research indicates greater retirement uncertainty and reduced confidence as more Americans rely on their defined contribution plans to cover essential needs

New strategies are needed to help Americans feel more confident in the years leading up to and throughout retirement. Deepen your understanding of the forces influencing the defined contribution landscape with key insights from our knowledgeable professionals.

Our thought leadership is designed to help you:

  • Understand participant attitudes and expectations
  • Evaluate retirement income solutions
  • Gain perspective from diverse voices across product, legal, technology, and distribution

Time to think differently about retirement

In an era where retirement security is a growing concern, advisors and consultants have a large role to play in guiding their clients toward a secure financial future. Yet, a significant opportunity lies untapped: guaranteed lifetime income (GLI). Our latest white paper is designed to help advisors and consultants:

  • Uncover the early adopter advantage of talking to clients about guaranteed lifetime income
  • Dispel common misconceptions about in-plan annuities
  • Develop strategies for educating clients on the value of guaranteed lifetime income

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Read our blog series

Get insights and perspectives from knowledgeable professionals on technology, legal, and demographic considerations for guaranteed lifetime income.

From drains to fountains: Rethinking retirement and the language of lifetime income

For far too long, the conventional wisdom surrounding retirement has been: amass a pile of assets to live off – the bigger, the better. What if, instead, we envisioned retirement as a flowing fountain?

Navigating the path to guaranteed lifetime income: an equity-focused approach

As disparities in the defined contribution system persist, an equity-focused approach is needed to ensure new investment options added to the plan complement other interventions that help support a financially secure retirement for all employees.

Addressing racial disparities in defined contribution plans

As African Americans continue to face significant headwinds when it comes to saving for retirement, the industry must center people of color in our efforts to strengthen economic security with strategies and products that are both inclusive and equitable.

Key considerations for implementing guaranteed lifetime income in the context of CITs

Several solutions have come to market with guaranteed lifetime income products embedded in Collective Investment Trusts (CITs). There are limitations to this approach, however, that plan fiduciaries should consider when selecting an option for a plan.
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Download our resources on retirement trends and insights

From income to outcomes (PDF)

Four hypothetical case studies demonstrating how adding Allianz Lifetime Income+® Annuity to an employer-sponsored 401(k) plan can help improve participant outcomes.

Personalization + Protection with Purpose (PDF)

See how guaranteed lifetime income delivered through a managed account platform can help participants build a protected foundation for retirement income with a level of protection centered on their needs.

Growing demand for guaranteed income solutions (PDF)

See how current trends may help explain why employer-sponsored plan participants are interested in adding a strategy for guaranteed retirement income.

The changing outlook on retirement (PDF)

Consider the known and unknown risks to retirement.

Longevity + inflation (PDF)

Find out how to help fight inflation and make retirement income last.

Growth + sequence of returns (PDF)

See how guaranteed lifetime income can help improve retirement portfolio outcomes.

The compounding complexities of retirement income planning (PDF)

Discover a potential solution for several common retirement risks.

Assessing Guaranteed Lifetime Income Programs Utilizing CITs (PDF)

Explore practical considerations for integrating the use of a Collective Investment Trust (CIT) with a guaranteed lifetime income program.
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This content is for general informational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Medicare or Social Security benefits. You are encouraged to consult with your own legal, tax, and financial professionals for specific advice or product recommendations, or to go to your local Social Security Administration office regarding your particular situation.

Allianz Life Insurance Company of North America does not offer financial planning services.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. (C64712-MVA)

Product and feature availability may vary by state and broker/dealer.