Retirement & Wealth Platforms
Every retirement plan contains an unanswered question: how long must the money last?
A LIX market reference can sit alongside the institution’s own data and models. Its relevance depends on the population, horizon and decision.
Keep the model. Add a live market view.
When medicine, demographics or a major health event changes expectations, LIX is designed to let market participants express those views in prices—and let institutions see that repricing as it happens.
How this business works
Retirement and wealth platforms help households turn savings into plans for the future. The central challenge is simple but impossible to know precisely: a person does not know how long retirement will last. That uncertainty shapes withdrawal rates, income products, asset allocation and advice.
How decisions are made today
Platforms and advisors use planning assumptions, mortality tables, client information, simulations and product rules to estimate how long assets may need to support spending. Those assumptions are useful, but they are typically model-based rather than linked to a live market for life-expectancy expectations.
What changes when a live market exists
LIX can create a market-informed reference that retirement businesses may incorporate into planning, product design and investment solutions. Over time, LIX indices and licensed products could also give platforms new ways to help clients think about or invest around life-expectancy risk.
Turn changing life-expectancy expectations into retirement information—and eventually products
Retirement planning usually starts with a model assumption about how long money may need to last. But medicine and demographics keep changing. A live market can add a current external view rather than relying only on a static planning assumption.
Over time, LIX benchmarks and indices could also support exchange-traded retirement and investment products. That creates a path from institutional price discovery to products that wealth platforms and workplace retirement systems can potentially offer to ordinary investors—subject to product design and applicable approvals.
LIX is not asking this industry to replace the models, data or professional judgment it already trusts. The new idea is to add a market alongside them: a place where institutions and investors can trade expectations about human life expectancy and create an external price that can be observed, compared and—where useful—acted upon.
The services are different because the business is different.
LIX can meet this industry through the parts of the marketplace that matter to its actual work—not through a generic one-size-fits-all product pitch.