For years, the 60/40 portfolio delivered clarity and consistency — a framework to balance the tradeoffs between risk and return. But with evolving interest‑rate dynamics, legislative changes and rising client concerns around income and longevity, financial professionals need new tools to keep portfolios resilient and hedged against longevity risks.

Our latest whitepaper, Evolving the Balanced Portfolio: What's the Role of Annuities in Strategic Allocations?, dives into how annuities can reshape traditional portfolio construction while enabling investors to achieve their financial goals with confidence. It offers a fresh, data‑driven look at how annuities can enhance modern portfolios across risk profiles.

What you'll learn in Evolving the Balanced Portfolio: What's the Role of Annuities in Strategic Allocations?

How modern annuities function as true portfolio tools

See how fixed annuities stack up against bonds, and when fixed-index annuities (FIAs) can deliver equity‑like returns while preserving principal.

Practical ways to improve risk adjusted returns

See how updated efficient modeling demonstrates the role annuities can play in helping to reduce volatility and improving expected outcomes across client risk profiles.

Insights you can use in real-world client conversations

Learn how to translate annuity benefits like bear market protection, predictable income and loss mitigation into meaningful guidance that addresses your client's top concerns.

Actionable allocation models for every risk level

Review clear examples showing where annuities fit within preservation, conservative, moderate, growth and aggressive strategies, so you can implement according to your clients' risk tolerance.

How SECURE 2.0 expands planning opportunities

See how new lifetime income provisions and increased qualified longevity annuity contracts (QLACs) flexibility support integrating annuities earlier in plan design as part of a stronger, more predictable income floor.

Strengthen your planning. Strengthen your impact.

Arm yourself with the latest data and insights that help you lead stronger client conversations, make more informed allocation decisions and design portfolios built for longevity, growth and resilience.

GET THE WHITEPAPER

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Disclaimer

Investment advisory services are offered by Gallagher Fiduciary Advisors, LLC ("GFA"), an SEC registered investment advisor that provides retirement, investment advisory, discretionary and independent fiduciary services. Registration as an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the SEC. GFA is a limited liability company with Gallagher Benefit Services, Inc. as its single member. GFA may pay referral fees or other remuneration to employees of Arthur J. Gallagher & Co. or its affiliates or to independent contractors; such payments do not change our fee. Neither Arthur J. Gallagher & Co., GFA, their affiliates nor representatives provide accounting, legal or tax advice.

GBS Insurance and Financial Services, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.