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Innovative decumulation solutions with an attractive risk return profile are becoming more and more important in the current market environment. Current solutions are impacted by the changing demographic structure, the extreme low interest rate environment, as well as the increased level of debt in developed countries. This work gives a detailed description of why modern decumulation solutions are so important for today's retirees. Retirement solutions are discussed that can be offered by financial service companies. These solutions include investment, insurance, and risk-managment elements designed to provide holistic investment solutions for today's retirees. Decumulation solutions will play a major role in the upcoming years. There is a significantly increasing demand for innovative concepts and this work is only the starting point of the process.
About the author
Dr. Kai Wallbaum ist Managing Director der Allianz Global Investors GmbH und verantwortlich für das globale Asset/Life Business. Er studierte Mathematik in Bonn und Nottingham und promovierte in 2006 im Bereich Stochastic Analysis. Zusätzlich erwarb er in 2007 den Financial Risk Manager (FRM) und in 2015 den Master of Business Administration.
