The Power of Laddering Fixed Annuities for Retirement Income
One of the smartest ways to use fixed annuities is by laddering them. Just like CD ladders, annuity ladders involve purchasing multiple fixed annuities with different maturity dates. This strategy offers a powerful combination of steady, guaranteed interest and the ability to access funds gradually—without locking up your entire nest egg for a long stretch of time.
For example, you might split your money among 3-, 5-, and 7-year fixed annuities. As each one matures, you can use the proceeds to reinvest at then-current rates, access the funds for income, or rebalance your overall plan. This not only gives you predictable interest income, but it also hedges against changes in interest rates and provides increased flexibility in retirement.
Laddering works well for retirees who want to stay conservative but still grow their savings over time. It’s also a great fit for individuals who may need periodic access to cash while protecting the rest of their principal. The key is choosing the right terms, carriers, and rates for your situation.
At Diversified Insurance Brokers, we help clients design personalized annuity ladders using fixed annuities from over 75 top-rated carriers. Whether your goal is income, preservation, or growth, we’ll build a plan that keeps you in control.
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