退休客户的Annuity 还需要能抗2-3%通胀, 现在好多作Life Insurance Annuity 的都已经做不下去了 很难 唯一办法是顺从大本去risk on :)
m*i
4 楼
退休客户Stock不能超过总资产的30%! Net 6% 的年收益是很困难的(don't forget they also charge 1% management fee!). Last year, bond had 10% return, so they were fine, but it would be very difficulty this year.