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Allan Gray: Saving for a comfortable retirement

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Wade Pfau: Which is better for retirement – Insurance or Investments?

Which is better: Insurance products, also known as guaranteed life annuities, single or joint lives (guaranteed income, but no legacy) or investments, known as living annuities (potential for capital growth and legacy, but no guarantees about long-term sustainability of plan)?

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Wade Pfau: The Changing Risks of Retirement

The changing risks of retirement are the primary differentiator of retirement income planning from traditional wealth management. Retirees have less capacity for risk as they become more vulnerable to a reduced standard of living when risks manifest. Those entering retirement are crossing the threshold into an entirely foreign way of living.

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