Category: risks

April 25, 2011

Refunds, risks, and time value of money: A case of insurance policy analysis

Some important aspects to consider when deciding about insurance purchases

After a generic intro, a few key factors of policy alternative evaluations will be scrutinized, using the example of a 25 year old healthy woman who is concerned about …

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June 2, 2010

Comments on Ellen Roseman’s articles on annuities in the Toronto Star

Ellen Roseman published good articles in the Toronto Star lately (here and here) about longevity risks, and how it can be addressed by annuities. Below is my email sent to her. I wrote the …

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December 22, 2009

Long Term Care insurance (LTCi) – an increasingly more important risk managing tool

What is the smaller mistake? The ‘waste premium dollars’ vs. ‘going uninsured’ dilemma in a ‘historical asset/income effects’ context. There is always a risk at any age that we become unable to take care of ourselves; chances for that grow …

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July 27, 2009

New ways of creating personal pension type retirement income producing portfolios

Invitation to a conference dealing with annuities and optimal allocation in retirement provides an opportunity to evaluate two special calculators, one (from a major Canadian insurer) kept for financial advisors and insurance agents/brokers, while the other freely available for anyone …

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January 29, 2009

Allocate assets and products, and more kinds of them, wisely

Closely related to broad and creative goal-setting and synchronous balancing of many factors is giving robustness and resilience to your plans by involving more asset and product classes. It makes sense to step even further, beyond financial assets, and think …

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Learn lessons of the past, and from long term running of numbers

It became obvious recently that relying on the lessons of recent history only can gravely mislead us. Real life examples and review of both historic and long-term made-up scenarios can help in finding best personally viable asset-allocation strategies, and protect …

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Four useful avenues

Filed under: planning,risks,thinking,uncertainty - 29 Jan 2009

Before forking into four more or less separate branches of my recommendations, in this section you can read and watch some thoughts about dealing with the future in general, the roles and limits of forecasts, and dealing with risks and …

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