Careerguide

How to Build the Optimal Portfolio

Nieuws
30-08-2024
Alla Gil
Complex financial products like registered index-linked annuities (RILAs) feature an array of risks and benefits. Evaluating all possible outcomes is essential to developing an optimal long-term RILA investment strategy that maximizes return and minimizes risks.

Registered index-linked annuities (RILAs) offer a balance of growth potential and downside protection. But while they have gained popularity as retirement and investment products, they also present capital, liquidity and asset-liability management challenges to insurance companies.

These complex products appeal to consumers because they provide exposure to market gains while limiting losses – a benefit that is particularly attractive during periods of extreme market turbulence. However, RILAs are also complex, making it difficult for consumers, their financial planners and the insurance companies issuing these annuities to estimate their overall portfolio impact.

Chief risk officers of insurance companies certainly have their share of concerns about RILAs. These products not only impact insurers’ capital and liquidity ratios but can also potentially cause ALM mismatches. Indeed, sudden changes in the market environment may prove hedges to be either inadequate – because of increased correlations – or excessive – because, say, early withdrawals overwhelm embedded penalties.

[....]

Lees verder op: garp.org

Gerelateerde vacatures

Geïnteresseerd in een carrière bij organisaties in ditzelfde vakgebied? Bekijk hieronder de gerelateerde vacatures en vind de perfecte match voor jou!
PwC
Marktconform
Senior
Amsterdam
Als Senior Manager Pension & Investment bij PwC help je diverse klanten met complexe vraagstukken in vermogensbeheer, pensioenakkoord en duurzaam beleggen. Je bouwt klantrelaties, ontwikkelt diensten, en begeleidt jongere consultants...
Milliman Pensioenen
Marktconform
Medior, Senior
Amsterdam
Als Actuarieel Consultant - medior/senior positie bij Milliman Pensioenen, werk je aan innovatieve risicomodellen, adviseer je klanten over regelgeving, en leid je projecten in levens-, schade-, of zorgverzekeringen, terwijl je...
Triple A - Risk Finance
Marktconform
Junior, Medior
Amsterdam
Als Senior Consultant – Non Life Insurance bij Triple A - Risk Finance werk je aan uitdagende projecten, vertaal je complexe actuariële vraagstukken naar praktische oplossingen, en ontwikkel je nieuwe...
Triple A - Risk Finance
3.200 - 4.000
Junior
Amsterdam
Als Pensions Consultant bij Triple A - Risk Finance adviseer je over nieuwe pensioenregelingen en veranderingen in bestaande regelingen. Je werkt hands-on aan actuariële waarderingen en oplossingen binnen een ondernemend...