惠悅國際-定製年金產品谘詢報告(ppt 38頁)英文

Designing annuity products for consumers needs

一、 Presented by
二、 Mike WadsworthPartner, Watson Wyatt
三、 Agenda
四、 Scale of opportunities People over 65
五、 Annuity versus bond yield
六、 Options for retirement income
七、 Traditional annuities Some important questions
八、 Key issues for design The Pensioner
九、 A lifetime asset allocation model Traditional
十、 A lifetime asset allocation model Proposed
十一、 Effect of investment growth on supportable income - males
十二、 Planning retirement income
十三、 Distribution of deaths Retirement at age 60
十四、 Distribution of deaths by age now
十五、 Distribution of deaths by age now
十六、 Standard deviation of deaths, as a proportion of life expectancy
十七、 Progression of income: spreading fund over future life expectation
十八、 Progression of income - annuitised fund versus non-annuitised fund
十九、 Supplier view of mortality guarantees
二十、 Mortality drift - uncertain future improvements
二十一、 Excess survivors - PMA92 compared with PMA80
二十二、 Lifetime income model - benefit statement
二十三、 Equivalent additional fund growth resulting from mortality cross-subsidy
二十四、 Equivalent additional fund growth
二十五、 Flexible annuity review cycle
二十六、 Flexible income The corridor
二十七、 Communication of benefits Income projections -
二十八、 Annuity developments - unbundling dynamic
二十九、 Effect of LTC rider on income
三十、 Advantages of lifetime income model
三十一、 Designing annuity products for consumer needs

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