Tag Archives: annuity

Investment Risk for Retirees

In our ongoing series on risks faced by a retiree, this time we want to talk about “investment risk.” When we’re saving for retirement while working, we hopefully never have to sell a retirement investment to generate income. We’re working … Continue reading

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Retirees and Interest Rates

In our ongoing series of risks faced by retirees, we turn our attention to interest rate risk this time. Interest rate risk affects both the investments and the income of retirees. On the investment side, when interest rates rise, bond … Continue reading

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Losing a Spouse While in Retirement

In our ongoing series on retirement risks and challenges, married retirees must also deal with handling the loss of a spouse. From a personal standpoint, the death of a lifelong partner is a major loss psychologically and emotionally to the … Continue reading

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Retirees Can Avoid Running Out of Money

Retirees face a wide variety of risks during the “golden years.” One of the biggest challenges is making sure you don’t outlive your money (also known as “longevity risk”). If we knew in advance when we were going to die, … Continue reading

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Time to Re-Think Annuities in Retirement

Annuitization is a fancy word for starting a lifetime stream of income, typically from an annuity. I ran across an academic study that tried to answer one simple question: why don’t more middle-income retirees annuitize? In other words, how come … Continue reading

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Your New Job in Retirement

If you are already retired (or will retire soon), are you ready for your new job in retirement? I’m talking about you being your family’s retirement income manager. You see, if you’re like many Americans nowadays, this will be your … Continue reading

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Buy Several Annuities for Safer Guaranteed Income

We all love guarantees. And when it comes to retirement, we especially like the idea of guaranteed lifetime income. After all, no one wants to run out of money before they run out of life. There are only a few … Continue reading

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