How to Choose the Right Annuity Based on Your Retirement Timeline
When it comes to retirement planning, timing is everything. One of the most important decisions you’ll make is selecting the right annuity product that aligns with when you’ll need income. The annuity you choose should reflect your retirement horizon, risk tolerance, and income needs.
Short-Term Retirement Horizon (0–5 Years)
If you’re approaching retirement soon, a fixed annuity or a single premium immediate annuity (SPIA) may be ideal. These products offer guaranteed income and principal protection—perfect for those who want predictability without stock market exposure.
Mid-Term Horizon (5–10 Years)
For those still several years away from retirement, a multi-year guaranteed annuity (MYGA) or a deferred fixed indexed annuity can offer growth with minimal risk. These annuities lock in rates, accumulate tax-deferred interest, and often come with optional income riders.
Long-Term Horizon (10+ Years)
If you’re planning for income well down the road, indexed or variable annuities with growth potential may be appropriate—especially when combined with a guaranteed lifetime withdrawal benefit. These can be powerful tools for building future income streams.
At Diversified Insurance Brokers, we help you match the right annuity to your timeline and retirement goals.
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