The American retirement market remains one of the biggest investment sectors in the world. This is not surprising given the size of the US economy and the large numbers of savers and retirees, many of them classed as high net worth.
In the last few decades, advancing regulation with changing solvency and capital treatment for insurance companies and the advent of newer financial solutions have changed the picture significantly. Retirement saving has now fully transitioned away from defined benefit solutions Traditional retirement solutions no longer seem efficient and these structural changes have also coincided with lower interest rates over the 12 years since the financial crisis. This has directly impacted annuity ra
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