Manish Malhotra is an expert on retirement income planning software. He launched Income Discovery to develop innovative solutions addressing the retirement income planning challenge. Being part of the team at Smith Barney that developed a time-segmented retirement income solution, he realized the potential of developing a new paradigm. He proposed a new analysis framework for retirement income strategies in a paper in Journal of Financial Planning. The framework and approach are used in Income Discovery, the software for optimizing retirement income strategies.
Prior to forming Income Discovery, Manish was a Sr Vice President at Citigroup Global Wealth Management (Smith Barney and Private Bank) leading the IT strategy & architecture function. Prior to Citigroup, he led the IT architecture for enterprise risk systems at Bank of America. Prior to Bank of America, he designed and implemented global risk systems at Nomura Securities. He started his career as corporate banker with ICICI Bank, a leading private financial services firm in India before moving into software at Webtek Software, a Dresdner Kleinwort’s subsidiary, in India.
View YouTube clips from recent Retirement Resource
Center webinars including Manish Malhotra’s
Finding Optimized Income Strategies
for Middle Market Clients .
Manish holds an MBA from Xavier School of Management (XLRI), and an engineering degree from Indian Institute of Technology (IIT) Khargapur, top colleges in India.
Read a summary transcript of Manish Malhotra’s presentation Finding Optimized Income Strategies for Middle Market Clients in the 3rd / 4th Qtr 2014 issue of “Retirement Insight and Trends”.
Manish Malhotra is a well-known MarketWatch RetireMentor. You can read his column here.
In a landmark 2012 Journal of Financial Planning paper titled A Framework for finding an Appropriate Retirement Income Strategy, Manish proposed a new risk-reward framework for analyzing retirement income strategies, which is used in concert with Income Discovery to find strategies that provide higher retirement income at less risk.
Manish Malholtra is also a contributor to Advisor Perspectives:
- Making the Right Wager on Client Longevity, May 2012
- A New Framework for Retirement Income Planning, August 2010
- The Random Walk Spoiled: A Flawed Assumption for Long-term Equity Portfolio Simulation, April 2010
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