cover of episode Talk Your Book: Longevity Income

Talk Your Book: Longevity Income

2024/11/4
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Nate Conrad
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Nate Conrad:LifeX ETF旨在解决传统债券基金在退休收入规划中的不足,通过分配本金和利息,提供更可靠的每月现金流,并根据退休人员的支出模式调整分配比例。LifeX ETF投资于美国政府债券,提供两种选择:普通美国国债和通货膨胀保值债券(TIPS)。该产品旨在简化退休人员的财富管理,并为财务顾问提供易于使用的工具。费用率最初为50个基点,在最后20年降至25个基点。虽然LifeX ETF力求提供可靠的分配,但它并非保证产品,仍存在投资风险,例如美国政府债券的潜在亏损。 Michael Batnick 和 Ben Carlson:许多退休人员面临着如何安全地提取和使用退休积蓄的巨大压力,LifeX ETF 提供了一种解决方案,帮助他们创造稳定的终身收入流,并根据自身情况调整规划。 Michael Batnick 和 Ben Carlson:许多婴儿潮一代即将退休,他们拥有巨额财富,但对如何安全地提取和使用这些财富感到焦虑。他们讨论了退休人员面临的挑战,以及如何将投资组合与财务规划相结合。他们认为,LifeX ETF 提供了一种解决方案,帮助退休人员创造稳定的终身收入流,并根据自身情况调整规划。

Deep Dive

Chapters
Nate Conrad introduces LifeX as a bond ETF designed for retirees, addressing the challenges of spending saved money. He explains the psychological hurdles retirees face and how LifeX aims to provide a reliable monthly cash flow.
  • LifeX is designed for retirees to spend their saved money.
  • It aims to provide a reliable monthly cash flow by distributing both interest and principal.
  • Retirees often struggle with the psychological hurdle of not wanting to touch their principal.

Shownotes Transcript

On today's show, we are joined by Nate Conrad, Head of LifeX) at Stone Ridge Asset Management to discuss how longevity income ETFs work, what LifeX is actually investing in, why matching spending with investment products is important, understanding the inflation adjustment for inflation protected income funds, declining LifeX fees over time, and much more!

Find complete show notes on our blogs...

Ben Carlson’s A Wealth of Common Sense)

Michael Batnick’s The Irrelevant Investor)

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Past performance is not indicative of future results. The material discussed has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed.

 

Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management.

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For full disclosures on Stone Ridge Longevity ETFs, please visit lifexfunds.com)

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