Retirement planning: more than investment education

Article Abstract:

Employer-sponsored retirement plans are becoming more common than employer-provided retirement plans and therefore employee retirement planning education is necessary to generate adequate retirement income. Trends toward risk-adverse investment by employees reveal the short-sightedness of untrained investors because a high rate of return, which usually means high risk, is necessary to maintain retirement funds. Employers should educate employees about retirement planning and several software packages are available to help balance the language of training.

Study and teaching, Retirement planning, Retirement benefits

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The re-emergence of real estate as an important investment asset

Article Abstract:

Real estate investments have regained their potential for higher yields in the insurance industry but investment managers must be able to identify niche markets with high yield and strong cash flow properties. Insurance companies involved in real estate investments have characteristics which fall into three categories: high solvency ratings, well capitalized and have investment risk flexibility; medium solvency ratings with careful investment strategies and weak solvency ratings with below average returns on investments.

Real estate investment trusts, Real Estate Invest Trusts, Real estate investment, Real estate investments

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Insurance investment performance: the need for total return measurement

Article Abstract:

Total return management measures book value against market-based indices, allowing for total return or market value basis determination for evaluating investment performance. This more sophisticated evaluation technique can be beneficial for determining asset managers' efficiency. However, total return liability measurements in addition to total return management are necessary to determine an insurance firm's economic volatility and adequacy.

Evaluation, Investment advisers

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