All Episodes

February 19, 2025 25 mins

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.

Mark as Played

Advertise With Us

Popular Podcasts

United States of Kennedy
Stuff You Should Know

Stuff You Should Know

If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.

Dateline NBC

Dateline NBC

Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com

Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

© 2025 iHeartMedia, Inc.