Employer Markets blogs

Explore the application of Modern Portfolio Theory to retirement income planning and the benefits of implementing in-plan annuities to address financial risks in retirement.

Get insights on participant demand, including key differences among generations and demographic groups. This blog examines results from the 2Q 2024 Quarterly Markets Perception Study from Allianz Life Insurance Company of North America.

Understanding how innovation spreads is important for ensuring widespread adoption and a more financially secure retirement for a wider range of plan participants.

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?

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.

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.

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.

Revolutionizing retirement outcomes cannot happen without embracing innovation. Today, new technology and strategies exist that can help deliver more technically complex products in a way that is simpler and more seamless for plan participants.

When it comes to providing guaranteed lifetime income, a strong risk management framework is essential to ensuring that insurance companies are able to stay true to their promises.

Traditional investment approaches have provided guidance to workers accumulating assets for retirement, but what about when it comes to taking income?

When navigating this new territory of income products, it’s important to ask questions. By understanding how these solutions serve participants, plan fiduciaries can make informed choices and help have a positive impact on outcomes.

For women, who often have more retirement years to plan for than men do, on less lifetime earnings, personalization and protection are essential to achieving equitable outcomes.

See how advancements in data science – and new technologies that reduce the cost and complexity of connecting to product and service providers –  are helping bring personalization and protection to scale.

Explore how existing technology can ease the administrative lift to help accelerate the implementation of guaranteed lifetime income solutions amid regulatory changes.