Description: This article is based on a report titled Public Misconceptions About Retirement Security, which is a project of the Committee on Post-Retirement Needs and Risks and jointly sponsored by LIMRA International, the Society of Actuaries and Mathew Greenwald & Associates. The report is found on the post-retirement needs and risks page, which is located here.

Description: The Mortality Improvement Model, MIM-2021- V3. Different mortality projection methodologies are utilized by actuaries across applications and practice areas. As a result, the MIM Advisory Group (“Advisory Group”) developed a single framework to serve as a consistent base for practitioners in projecting mortality improvement.

Description: Inspired by the 2023 Living to 100 Symposium, take an incisive look with us at the potential for increased healthy lifespans and the implications for retirement. Issues covered include housing, working longer, running out of money and other risks. Explore results from recent SOA-sponsored research, including a guide to making related decisions late in life. Take advantage of this great opportunity to learn more about the SOA Research Institutes' Aging and Retirement and Mortality and Longevity Strategic Research Programs and to help shape future efforts. You will learn about the latest SOA research on living longer, some of the latest developments in aging research and the decisions individuals may face as they prepare for retirement.

Description: Non-variable annuity principle-based reserving (PBR) VM-22 has a proposed effective date of January 1, 2026. The change in reserving standards may be impactful to annuity writers due to the transition from formulaic to principles-based reserves.

Description: The Society of Actuaries Research Institute’s Aging and Retirement Strategic Research Program is pleased to release a collection of essays addressing the impact of inflation on retirement and retirement-related issues.

Description: Over a short span of two weeks, the financial system has observed the collapse of two mid-sized U.S. commercial banks, California-based Silicon Valley Bank (“SVB”) and New York-based Signature Bank, and a takeover of troubled Credit Suisse by a rival in Europe. Other banks that serve a similar demographic as SVB, such as First Republic Bank and PacWest Bancorp, have also experienced an elevated level of customer deposit withdrawals while their stock prices plummeted. The U.S. Federal Deposit Insurance Corporation (FDIC) quickly stepped in and guaranteed all deposits from the failed banks to prevent a broader crisis in the banking system. The current turmoil in the financial system is a stark reminder of the importance of effective risk management and regulation.

Description: The Retirement Section and Retirement Section Research Committee are pleased to make available a research report examining academic and practitioner research on low interest rates in the United States.

Description: This report summarizes thoughts and questions raised during the conversation focused on the possible impact of COVID-19 on senior housing and related decisions that retirees and their families may need to make.

Description: This report summarizes thoughts and questions about the impact of COVID-19 on working in retirement, phased retirement and how the definition and timing of retirement may change. It provides a synthesis of the expert input mentioned above and offers background on related research results. It also describes other issues for further consideration. T

Description: The SOA Research Institute seeks researchers and essayists to explore the multifaceted impacts of climate risk on retirement. The desired deliverable is a resource that catalogues major related issues while providing current considerations and potential future dynamics. The intended audience for this effort is actuaries and other retirement professionals.