Social Security timing, income floors, longevity, and sequence risk.
The main types of annuities are fixed, multi-year guaranteed (MYGA), fixed index, registered index-linked (RILA), and variable on the growth side, plus immediate (SPIA), deferred income…
A Social Security spousal benefit pays up to 50 percent of your spouse's full retirement age benefit, reduced to as little as 32.5 percent if you…
Your Social Security break-even age is the age at which the total dollars from claiming later catch up to the total from claiming earlier. With a…
If your full retirement age is 67, claiming at 62 pays 70 percent of your full benefit for life, and waiting until 70 pays 124 percent,…
Sequence-of-returns risk is the danger that poor investment returns early in retirement, while you are also withdrawing money, permanently damage your savings even if your long-term…
Combining an annuity with a 401(k) means using each for what it does best: the 401(k) builds and grows your savings, and an annuity converts a…
A pension lump sum hands you one large payment now to manage yourself. A pension annuity payout gives you a smaller guaranteed check every month for…
A pension is a lifetime paycheck your employer builds and funds for you. An income annuity is that same lifetime paycheck, except you build and fund…
Your retirement income gap is the monthly shortfall between your guaranteed income (Social Security, a pension, annuity payments) and your essential expenses. To find it, add…
An annuity and a 401(k) are not rivals; they do different jobs. A 401(k) accumulates your savings during working years, usually with an employer match. An…
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