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Are you seeking an investment that provides guaranteed income in retirement? You might want to consider immediate annuities.
The laddering strategy involves purchasing immediate annuities over a number of years. So, instead of spending your money on a single annuity that locks you into a lifetime interest rate, you invest in multiple annuities over time. You might buy 1 annuity a year for 4 years or an annuity every 3 years for 12 years, etc. The time frame for staggering each annuity is up to you.
You can also ladder annuities based on the start dates of when you’ll begin receiving the payments. Combining purchase and start date laddering strategies is another option.
It’s also important to understand that unless the annuity is a joint lifetime annuity or includes a survivor payout, annuity payments stop at your death.
Immediate fixed annuity contracts, annuitants receive a fixed income stream based, in part, on the interest rate guarantee at the time of purchase. Annuity guarantees are backed solely by the claims-paying ability of the issuing life insurance company.
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Active Planning & Investment Solutions and LTM Client Marketing are unrelated companies. This newsletter was created by LTM Client Marketing and was not written or created by the named financial professional and does not necessarily represent the views and opinions of Avantax Wealth Management® or its subsidiaries.
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