Research, writing, and working notes from the people building VivaLogic — including the whitepapers behind our products.
The shift from defined benefit pensions to defined contribution accounts gave people ownership of their savings and took away pooled longevity protection. This paper explains why today’s solutions only divide the balance between the two, and how CLIP bridges the gap.
CLIP is a retirement income product that creates a second source of income alongside a person’s own savings. This paper explains how this new approach pools longevity risk while balancing retirement income, access to savings, and legacy to beneficiaries.
Retirement savings must provide income for life, remain accessible when needed, and preserve something for loved ones. This paper explores why balancing these three goals is so difficult and how a different approach to product design may help.