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" ... The assumptions made about asset allocation for guaranteed funds and unguaranteed funds are incredibly important. It is natural that retirees with income guarantees will feel more comfortable accepting a more aggressive asset allocation, and ideally one should compare approaches using the asset allocations a retiree would choose for both a guaranteed and unguaranteed approach. This will be individual specific. Moshe Milevsky and Vladyslav Kyrychenko have provided research based on over one-million variable annuity policy holders showing that those with optional income guarantees were willing to have about a 5 percent to 30 percent higher stock allocation than those without guarantees on their variable annuities. For instance, someone willing to hold 40 percent stocks without a guarantee may increase their stock allocation to between 45 percent and 70 percent (if allowed) with an income guarantee in place. ... "
" ... The front office decisions could be more affected by the Miller injury than the coaching staff. Miller was signed to his deal in large part because of the trade asset his skills and contract represented. Miller can shoot, was cheap, and also an expiring deal wrapped into a nice midlevel salary. Any team holding his contract could exercise the same options for next season, which is an unguaranteed salary at the moment. Now he cannot help the Pelicans on the court and will be tougher to trade. ... "