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Unlocking Hidden Returns: How Mortality Credits Boost Retirement Income

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Manage episode 467455614 series 3234219
Content provided by Money For the Rest of Us and J. David Stein. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Money For the Rest of Us and J. David Stein or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder.

Topics covered include:

  • How immediate annuities and deferred income annuities work
  • What are mortality credits, and why they are a key diversifier
  • Examples of how mortality credits lead to a 1% to 1.5% higher annualized return over several decades
  • How to decide whether an annuity is right for you

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Insiders Guide Email Newsletter

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Money for the Rest of Us Plus

Show Notes

Post: No, really. Deferred income annuities (DIAs) are superior to SPIAs in every way by Boglehead User "GoWithTheCashFlow"—Bogleheads

Actuarial Life Table—SSA

TIPSLadder

Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade D. Pfau—Retirement Researcher

Related Episodes

464: More Ways to Lock in Higher Yields in Case Interest Rates Fall

455: Easier Investing, Richer Life: TIPS Ladders to Annuities

407: Worry-Free Retirement Investing

279: Why All Retirees Should Consider an Income Annuity

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

  continue reading

537 episodes

Artwork
iconShare
 
Manage episode 467455614 series 3234219
Content provided by Money For the Rest of Us and J. David Stein. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Money For the Rest of Us and J. David Stein or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder.

Topics covered include:

  • How immediate annuities and deferred income annuities work
  • What are mortality credits, and why they are a key diversifier
  • Examples of how mortality credits lead to a 1% to 1.5% higher annualized return over several decades
  • How to decide whether an annuity is right for you

Episode Sponsors

NetSuite

LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs

Insiders Guide Email Newsletter

Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter

Our Premium Products

Asset Camp

Money for the Rest of Us Plus

Show Notes

Post: No, really. Deferred income annuities (DIAs) are superior to SPIAs in every way by Boglehead User "GoWithTheCashFlow"—Bogleheads

Actuarial Life Table—SSA

TIPSLadder

Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade D. Pfau—Retirement Researcher

Related Episodes

464: More Ways to Lock in Higher Yields in Case Interest Rates Fall

455: Easier Investing, Richer Life: TIPS Ladders to Annuities

407: Worry-Free Retirement Investing

279: Why All Retirees Should Consider an Income Annuity

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

  continue reading

537 episodes

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