国际人力资源咨询报告(PPT 39页)

Designing annuity products for consumers needs
Agenda
Scale of opportunitiesPeople over 65
Annuity versus bond yield
Options for retirement income
Traditional annuitiesSome important questions
Key issues for designThe Pensioner
A lifetime asset allocation modelTraditional
A lifetime asset allocation modelProposed
Effect of investment growth onsupportable income - males
Planning retirement income
Distribution of deathsRetirement at age 60
Distribution of deaths by age now
Standard deviation of deaths, asa proportion of life expectancy
Progression of income:spreading fund over future life expectation
Progression of income - annuitised fund versusnon-annuitised fund 
Supplier view of mortality guarantees
Mortality drift -uncertain future improvements
Excess survivors -PMA92 compared with PMA80
New model
Lifetime income model -benefit statement
Equivalent additional fundgrowth resulting from mortalitycross-subsidy
Equivalent additional fund growth
Flexible annuity review cycle
Flexible incomeThe corridor
Communication of benefitsIncome projections - income takeninitially = income supportable at 7% pa
Income projections - income takeninitially = 1.1 x income supportableat 7% pa
Income projections - income takeninitially = 0.9 x income supportableat 7% pa
Income projections - variable investment model
Fail safe
Annuity developments - unbundling dynamic
Effect of LTC rider on income
Advantages of lifetime income model
Designing annuity products for consumer needs

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