Start a Deferred Income Annuity Early—and Stop Stressing Over Market Risk

Описание: 00:26 📈 A 64-year-old client considered funding an annuity with $250,000 and deferring income for five years to receive a guaranteed $30,000 per year starting at age 69.
02:29 📊 To achieve an equivalent income through market investments, the client's funds would need to grow at a 24.5% annual return for five years, which is highly unlikely.
03:47 ⚖️ Switching into an income annuity at age 69 would require the initial $250,000 to grow to $392,000, needing a 9.4% annual return—more plausible but still not guaranteed.
04:54 ✅ The client ultimately chose the annuity option, securing a guaranteed $30,000 yearly income at age 69, regardless of market conditions.
05:47 🔍 Achieving high growth in a managed portfolio for comparable income is difficult, especially adhering to the 4% rule.
06:15 🚀 Funding an annuity early for the purpose of guaranteed income results in better long-term outcomes.