{"id":43794,"date":"2022-07-12T09:32:19","date_gmt":"2022-07-12T14:32:19","guid":{"rendered":"https:\/\/prefblog.com\/?p=43794"},"modified":"2022-07-12T09:32:19","modified_gmt":"2022-07-12T14:32:19","slug":"research-annuities-part-3","status":"publish","type":"post","link":"https:\/\/prefblog.com\/?p=43794","title":{"rendered":"Research : Annuities Part 3"},"content":{"rendered":"<p>From the introduction (hyperlinks added):<\/p>\n<blockquote><p>This essay builds on previous discussion in the <a href=\"https:\/\/prefblog.com\/?p=43560\">April, 2010<\/a>, and <a href=\"https:\/\/prefblog.com\/?p=43692\">April, 2011<\/a>, editions of this newsletter, as well as that contained in my essay <a href=\"https:\/\/prefblog.com\/?p=16830\">Security of Income vs. Security of Principal<\/a>. The Hymas Investment Management Inc. retirement calculator (old version available on-line at <a href=\"http:\/\/www.prefblog.com\/xls\/retirementWithdrawals.xls\">http:\/\/www.prefblog.com\/xls\/retirementWithdrawals.xls<\/a> new version at <a href=\"http:\/\/www.prefblog.com\/xls\/retirementWithdrawals_2012.xls\">http:\/\/www.prefblog.com\/xls\/retirementWithdrawals_2012.xls<\/a>) has been refined in various ways and the necessity of these changes is discussed; there is a fairly extensive discussion of \u201cReversion to the Mean\u201d for equity returns, which is particularly important in the light of <a href=\"https:\/\/prefblog.com\/?p=20929\">OSFI\u2019s denial that such a thing exists<\/a>.<\/p>\n<p>Additionally, I have updated my study of the pricing of annuities to incorporate another year of data collected by Dr. Milevesky\u2019s Individual Finance and Insurance Decisions Centre.<\/p><\/blockquote>\n<p>Look for the research link!<\/p>\n<div align=\" center\" =\"\"=\"\"><a href=\"http:\/\/www.himivest.com\/media\/prefLetterApp_1204.pdf\"><img decoding=\"async\" src=\"http:\/\/www.prefblog.com\/images\/ad_annuitiesPart3_PL.gif\"><\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>From the introduction (hyperlinks added): This essay builds on previous discussion in the April, 2010, and April, 2011, editions of this newsletter, as well as that contained in my essay Security of Income vs. Security &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-43794","post","type-post","status-publish","format-standard","hentry","category-publications"],"_links":{"self":[{"href":"https:\/\/prefblog.com\/index.php?rest_route=\/wp\/v2\/posts\/43794","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prefblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prefblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prefblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prefblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=43794"}],"version-history":[{"count":0,"href":"https:\/\/prefblog.com\/index.php?rest_route=\/wp\/v2\/posts\/43794\/revisions"}],"wp:attachment":[{"href":"https:\/\/prefblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=43794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prefblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=43794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prefblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=43794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}