You can get the professional opinion of a financial advisor but, in general, if you are younger, you will typically want to leave your 401(k) invested in higher-risk assets like securities, versus more conservative investments like bonds. For example, say that you're 45 years old with 22 years before retirement. You might leave this money invested in an S&P 500 fund. At the market's 11% average rate of return, even without any additional investments, you might have around $9.1 million saved by age 67.That s ...

The idea of a traditional retirement now seems financially out of reach for many Americans. Nearly two-thirds of Americans (63%) believe retiring between the typical ages of 65 and 70 is “unattainable,” according to a new TIAA survey — with many expecting to work until they physically can’t. Find Out: I’m a Financial Expert: This is the No. 1 Mistake Americans Make With Their Roth IRAs Read Next: 5 Clever Ways Retirees Are Earning Up To $1K Per Month From Home Here’s a closer look at why so many Americans ...

Over the past several decades, you’ve been saving for retirement with one clear goal — to ensure your golden years are financially stable. Now that the countdown to your last day on the clock is ticking down, you’re faced with a major decision: How will you convert your savings into a reliable stream of income? For You: 4 Retirement Expenses Boomers Didn’t Plan For — but Should Have Find Out: 5 Clever Ways Retirees Are Earning Up To $1K Per Month From Home For some retirees, the answer involves taking sys ...

Core Insights - The article discusses the feasibility of retiring on an annual income of $70,000, considering various personal circumstances and financial factors [1][2]. Group 1: Cost of Living Considerations - Retirement affordability on $70,000 per year is manageable but highly dependent on individual circumstances, including location and living costs [2]. - Key factors include existing assets, debts, dependents, desired lifestyle, and health situation [2]. - Low lifestyle expenses and minimal debt are advantageous, and having proper insurance coverage is critical to avoid unexpected expenses [2]. Group 2: Portfolio Evaluation - The ability of a portfolio to generate $70,000 annually is crucial, requiring an assessment of income from savings and investments [4]. - Following the 4% rule, a portfolio could provide $40,000 in the first year, supplemented by Social Security to meet the $70,000 goal, but funds may deplete in about 20 years [5]. - Investing the portfolio rather than keeping it in cash can enhance income generation and extend portfolio longevity [6]. Group 3: Investment Strategies - Investing in bonds could yield around 5%, potentially generating $80,000 annually when combined with Social Security [6]. - Purchasing a $1 million annuity could guarantee over $107,808 annually for life, again combined with Social Security [6].

Core Insights - Aegon reported strong progress in business transformation during Q3 2025, with notable growth in its largest segment, Transamerica, particularly in life and annuity sales [2][3] - The company is on track to meet its full-year operating capital generation (OCG) target of EUR 1.2 billion for 2025, with a reported OCG of EUR 340 million before holding funding and operating expenses [3][7] - Aegon plans to provide updates on its strategy and financial targets during the upcoming Capital Markets Day on December 10, 2025, including a review of a potential relocation of its legal domicile and head office to the United States [3][7] Business Performance - Transamerica's distribution network continued to expand, contributing to strong commercial momentum, with individual life sales increasing by 39% compared to the previous year [7] - Despite some outflows in the UK due to the departure of two large, low-margin schemes, Aegon's Asset Management and International businesses showed continued growth [2][7] - The company maintained strong capital ratios across its main units, with cash capital at holding reported at EUR 1.9 billion, reflecting recent share sales and dividend payments [7] Market Position and Strategy - Aegon operates a diverse portfolio, including fully owned businesses in the US and UK, and engages in strategic partnerships in various international markets [8][9] - The company emphasizes its commitment to addressing critical environmental and societal issues as part of its corporate purpose [9] - Aegon's ongoing share buyback program is 54% complete, indicating a proactive approach to capital management [7]

Core Insights - CNO Financial Group, Inc. (CNO) shares increased by 3.5% following the release of its third-quarter 2025 results, driven by strong premium collections from annuity, life, and health products, alongside rising new annualized premiums and higher fee revenues, although partially offset by increased total benefits and expenses [1][10]. Financial Performance - CNO reported adjusted earnings per share (EPS) of 96 cents, exceeding the Zacks Consensus Estimate by 1.1%, and an increase from 92 cents a year ago [2][10]. - Operating revenues reached $1.2 billion, marking a 5.3% year-over-year increase and surpassing the consensus estimate by 26.3% [2][10]. - Total insurance policy income rose 2.1% year over year to $658.4 million, beating the Zacks Consensus Estimate of $653 million [3]. Premiums and Expenses - Collected premiums from annuity, life, and health products totaled $1.1 billion, reflecting a 2.1% year-over-year increase [5]. - New annualized premiums for health products surged by 20.2% year over year, while life products increased by 32.1% [6]. - Total benefits and expenses rose by 3% year over year to $1.2 billion, driven by higher operating costs [6]. Investment and Assets - Net investment losses were reported at $8.8 million, an improvement from the previous year's loss of $11.1 million [4]. - General account assets grew by 4.5% year over year to $382.9 million, while policyholder and other special-purpose portfolios increased by 33.3% to $116.8 million [4]. Shareholder Returns - CNO returned $60 million to shareholders through share buybacks and $16.4 million in dividends during the third quarter, with a remaining repurchase capacity of $480.4 million [11]. Guidance and Projections - For 2025, CNO anticipates operating EPS in the range of $3.75-$3.85, an increase from the previous estimate of $3.70-$3.90 [12]. - The company now estimates excess cash flow to the holding company between $365-$385 million, up from the prior range of $200-$250 million [12]. - The projected expense ratio is around 19%, improved from the previous estimate of 19-19.2% [13].

Core Insights - Brighthouse Financial's shares surged 27.3% following the announcement of its acquisition by Aquarian Capital LLC in an all-cash deal valued at approximately $4.1 billion, with shareholders receiving $70.00 per share, representing a 37.7% premium over the 90-day volume-weighted average price [1] - The acquisition will allow Brighthouse Financial to operate as a standalone entity within Aquarian Capital's portfolio, maintaining its current leadership and headquarters [1] - Following the acquisition news, Brighthouse Financial canceled its scheduled conference call to discuss its third-quarter financial results [1] Market Reaction - The volatility of Brighthouse Financial's shares is notable, with 21 moves greater than 5% over the past year, indicating that the acquisition news significantly altered market perception [3] - Prior to this announcement, the stock had already gained 27.8% six days earlier due to reports of advanced acquisition talks, with a potential valuation of $4 billion and a share payment of up to $70 [4] Performance Metrics - Year-to-date, Brighthouse Financial's shares have increased by 36.7%, reaching a new 52-week high of $65.59 [5] - An investment of $1,000 in Brighthouse Financial's shares five years ago would now be worth $2,081, reflecting strong long-term performance [5]

Skip to Main Content Skip to Search This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. Annuity Sales Reach Another Record in Q3. The $100 Billion-Plus Quarters Keep Coming. Even if interest-rate cuts slow demand for annuities, the trade group Limra is still expecting a stro ...

Core Insights - Prudential Financial, Inc. (PRU) reported third-quarter 2025 adjusted operating income of $4.26 per share, exceeding the Zacks Consensus Estimate by 16.3% and reflecting a 28% year-over-year increase [1][10] - Total revenues for the quarter were $16.2 billion, surpassing estimates by 16%, although this represented a 16.6% decline year over year due to lower premiums [2][10] - The company achieved total benefits and expenses of $14.3 billion, down 20.3% year over year, attributed to lower insurance and annuity benefits and operating expenses [2] Operational Update - Prudential Global Investment Management (PGIM) reported adjusted operating income of $244 million, a 1.2% increase year over year, driven by higher asset management fees and related revenues [3] - PGIM's assets under management reached $1.470 trillion, marking a 5% year-over-year increase due to equity market and fixed income appreciation along with net inflows [4] - The U.S. Businesses segment delivered adjusted operating income of $1.149 billion, up 10.4% year over year, supported by higher net investment spread results and favorable underwriting outcomes [5] - International Businesses saw adjusted operating income rise 15% year over year to $881 million, primarily due to improved net investment spread results [6] - Corporate and Other segment incurred an adjusted operating loss of $327 million, an improvement from a loss of $487 million a year ago, due to lower expenses and favorable foreign exchange impacts [7] Capital Deployment - Prudential Financial returned capital to shareholders through share repurchases totaling $250 million and dividends amounting to $481 million in the third quarter [8] Financial Position - As of September 30, 2025, Prudential Financial had cash and cash equivalents of $17.5 billion, a decrease of 5.5% from the end of 2024, and total debt of $20.2 billion, which increased by 0.2% [11] - The company's assets under management and administration increased 3.3% year over year to $1.81 trillion, with adjusted book value per common share rising 0.5% to $99.25 [11] - Operating return on average equity was reported at 17.5%, expanding 390 basis points year over year [12]

Core Viewpoint - Axonic Insurance has secured a $210 million preferred equity investment led by LuminArx Capital Management, with participation from Deutsche Bank, indicating strong investor confidence in the company's innovative insurance platform [1] Company Overview - Axonic Insurance is a global annuity and insurance platform that designs, distributes, issues, and manages annuity and related product offerings for individual consumers and institutions worldwide [1] - The company was launched in 2024, positioning itself as an innovative player in the insurance industry [1] Investment Details - The investment amount is $210 million, which is significant for the growth and expansion of Axonic Insurance [1] - LuminArx Capital Management, a global capital solutions provider, is the lead investor in this funding round [1] - Deutsche Bank also participated in this investment, further validating the potential of Axonic Insurance [1]