Why Annuities Are the Best Pension Replacement for Today’s Retirees
It used to be that when you retired, your employer sent you a pension check every month—guaranteed. But today, only about 1 in 10 workers will receive a traditional pension. The rest are left to figure out how to convert their savings into reliable income that will last for the rest of their life. So what is the best pension replacement?
That’s exactly what annuities are built to do.
An annuity, especially one with a guaranteed lifetime withdrawal benefit, allows you to create a steady, predictable income stream from your savings—just like a pension. You won’t have to worry about market downturns or outliving your money.
How It Works
You can deposit funds from a 401(k), IRA, or other retirement savings into a fixed indexed annuity. Based on your age and selected rider, the insurance company guarantees a specific monthly income—for the rest of your life. Many contracts also include joint options for a spouse, or even built-in long-term care features.
Best of all, annuity income is backed by highly rated insurance companies, not tied to Wall Street volatility.
For retirees without pensions—or for anyone who wants to supplement Social Security—annuities can provide the stability and peace of mind that’s often missing in modern retirement planning.
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