The Future of Asset Management: AI, Tokenization, and Annuity Innovation in Retirement Solutions

Anshul Kaushik

Abstract: Shifts in global demographics and increased longevity are contributing to the challenges of retirement security. Annuities, which offer lifetime income protection, may play a role in addressing these issues. Historically, annuities have experienced limited utilization due to product complexity and distribution barriers; however, developments in artificial intelligence (AI), product design, tokenization, and distribution models are influencing the market. BlackRock?s launch of tokenized funds, such as the BUIDL U.S. Treasury fund, demonstrates how blockchain technology can impact cost efficiency, transparency, and liquidity in asset management. This paper reviews changes in the relationship between annuities and asset management, focusing on AI?s functions in personalization and compliance, the potential for tokenization to lower certain costs, and technology?s role in supporting distribution. It considers that asset management may continue to evolve toward a system integrating annuities, tokenized assets, and AI-driven advisory solutions to promote retirement security.

Keywords: Retirement security, Annuities, Artificial Intelligence, Tokenization, Asset Management

How to Cite?: Anshul Kaushik, "The Future of Asset Management: AI, Tokenization, and Annuity Innovation in Retirement Solutions", Volume 14 Issue 10, October 2025, International Journal of Science and Research (IJSR), Pages: 1177-1178, https://www.ijsr.net/getabstract.php?paperid=SR251022054224, DOI: https://dx.doi.org/10.21275/SR251022054224