{"id":"W16888790","doi":"10.1002/jmri.20682","title":"Optimal Asset Allocation and The Real Option to Delay Annuitization: It’s Not Now-or-Never","year":2002,"lang":"en","type":"article","venue":"","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":58,"is_retracted":false,"has_abstract":true,"ca_institutions":"York University","funders":"","keywords":"Life annuity; Actuarial science; Economics; Life insurance; Asset allocation; Present value; Annuity; Asset (computer security); Moral hazard; Value of life; Normative; Pension; Microeconomics; Portfolio; Financial economics; Finance; Computer science; Incentive","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003346709,0.0007196832,0.001061898,0.0006712765,0.0003651943,0.002072359,0.0008949341,0.002148323,0.008247308],"category_scores_gemma":[0.01396217,0.0005205306,0.0003892556,0.0003362286,0.001465863,0.003549632,0.001145153,0.001787727,0.0004742088],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001231663,"about_ca_system_score_gemma":0.001847332,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001254396,"about_ca_topic_score_gemma":0.001020305,"domain_scores_codex":[0.9992625,0.0004118148,0.0000294678,0.00008287257,0.00008310851,0.0001301902],"domain_scores_gemma":[0.996923,0.002169865,0.0002635318,0.0001120988,0.0001948125,0.000336691],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.001703591,0.00031823,0.002383815,0.0001998718,0.000133148,0.000301345,0.00015096,0.4594063,0.002556051,0.4356363,0.008695656,0.0885147],"study_design_scores_gemma":[0.0002639254,0.0002732322,0.001233302,0.00008951034,0.00005659632,0.0001688459,0.0001421781,0.5776612,0.0008126722,0.4143609,0.004887596,0.000050143],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"methods","genre_gemma":"empirical","genre_scores_codex":[0.3576194,0.005437369,0.5420573,0.02861935,0.00085733,0.000235596,0.000421017,0.0002643898,0.0644883],"genre_scores_gemma":[0.9694324,0.001194381,0.01902741,0.0003182944,0.0001947161,0.0000731583,0.00005751096,0.00005594144,0.00964621],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.008247308,"threshold_uncertainty_score":0.02759004,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02363010478409928,"score_gpt":0.2377847262883853,"score_spread":0.214154621504286,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}