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Friday, 02 September 2022 13:28

Guaranteed annuities can be the retiring types

A slam dunk of a fixed income stream can sound pretty appetizing to any consumer -- including retirees. Consequently, guaranteed rate annuities can be just the ticket for them, according to

That said, before John Hancocking the dotted line, it’s important to familiarize yourself with the contract terms. After all, you want to circumvent locking into an investment that yields less than satisfactory returns, the site continued.

The sales of multi year guaranteed annuities have surged this year, according to First quarter sales chimed in at $14.5 billion, a hike of 30.1% compared to the quarter before.

According to industry surveys, seeing the money well run dry’s the top fear among most retirees, stated

“Annuities play a critical role as a safe money alternative for so many seniors, especially in our current environment of market volatility,” said Chris Conroy, IAMS’ executive vice president and general counsel.

The idea of new companies with capitating ideas and a high ceiling for growth wet your whistle? Small cap ETFs might be just your ticket, according to

Opposed to large cap companies, the likelihood of exponential gains among small cap stocks is greater. On top of that, many smaller cap companies aren’t yet in the wheelhouse of institutional investors, the site continued. Plucking down cash on only a firm or two probably isn’t a sage move since smaller firms experience a certain rate of hitting the skids

Make way for small cap ETFs.


Best Small Cap ETFs:

The Best Overall: iShares Russell 2000 ETF

The Best for Active Traders: iShares Core S&P Small Cap ETF

The Best International Fund: Vanguard FTSE All-World ex-U.S. Small Cap ETF

The Best Growth Fund: SPDR S&P 600 Small Cap Growth ETF

The Best Value Fund: Vanguard Small Cap Value ETF

The Best Fund for Income: WisdomTree U.S. Small Cap Dividend ETF

According to, the Schwab U.S. Small Cap ETF is the top small cap ETF to add to your portfolio. While it tracks the Dow Jones U.S. Small-Cap Total Stock Market Index, it's not the S&P 600 Small Cap index or the Russell 2000. However, when it comes to exposure, it’s essentially the same.

Friday, 02 September 2022 05:35

ACLI Supports Challenge to Fiduciary Rule

The American Council of Life Insurers (ACLI) has put its support behind a lawsuit challenging the Labor Department’s subsequent guidance on the fiduciary rule. The ACLI is the nation’s largest life insurance trade association. The group added an amicus brief to an ongoing lawsuit by the Federation of Americans for Consumer Choices against the DOL. The suit, which was filed in March, claimed that agents “oftentimes make rollover recommendations for purchase of annuities to IRA owners and participants in employer-sponsored 401k and similar benefit plans, for which they receive commissions or other compensation from annuity issuers.” The concern is that these agents will be adversely affected by the DOL’s new interpretation of the Fiduciary Rule that categorizes their status as investment advice fiduciaries under ERISA. ACLI believes that the new interpretation would achieve the same outcome as the 2016 Fiduciary Rule, which was rejected in the Fifth Circuit court. ACLI was one of the lead plaintiffs in that decision.

Finsum:The American Council of Life Insurers has put its support behind an ongoing lawsuit against the DOL and their new interpretation of the Fiduciary Rule.

Anyone notice that stocks, lately, have been a bit, well, prickly?


Of course, for awhile there, it segued they’d found their mojo and watching cable shows like CNBC also was a popcorn worthy occasion. Now, that viewing experience likely would give you indigestion.


In other words, yes: vo-la-ti-li-ty.


Now, could this be hitting the gas pedal on an even steeper decline.


Let’s count the possible dividends. In the short term, the wraps are on the corporate earnings season, according to, and summer? Ready to wave buh-bye. In the eye of an obvious lack of direction, it’s all but an invitation for percolating volatility, the site continued.


Meantime, investors are sliding their attention from the probabilities of a recession and how the markets will react to the Fed.


Against that less than appealing backdrop, Jesmond Mizzi Financial Advisors’ Head of Wealth Management Colin Vella, said that rather than ruing the circumstances surrounding the volatility, investors can make the best of it, according to


The global initiative – unlike the war – to get a handle on COVID 19 reassured markets that bouncing back to more normal conditions could be on the short term horizon. 


As the virus started to escalate worldwide, at the dawn of 2020, markets began their descent. However, the downturn didn’t have staying power and bounced back prior to the initial lockdowns.

How often does opportunity knock? Well, financial advisors could be hand wringing if they allow a chance to further buck up their business with model portfolio strategies and step up the client experience slip through their fingers, according to

Shucking aside, simply put, a model’s a framework for a financial advisor, explained Brad Shepard, head of Advisor Innovation, WisdomTree Asset Management, said in a webcast, How to Build a Better Business with Model Portfolios. It enables the advisor to structure asset allocation and fund selection in their practice on behalf of a client, the continued.


Leveraging model portfolios to outsource the management of portfolios can help abet a greater degree of a client centric model and enhance the competitiveness of a business model, noted

According to Investment News, four examples of outsourcing options upon which advisors are implement that can rachet up firm operations and, possibly, culminate in ideal results:

1.Virtual administration services
2. HR assistance
3. An outsourced CFO
4.Portfolio management


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