Could An Annuity Play A Role in Your Retirement? …When the need for spendable, dependable income outweighs the need for never-ending growth, where do you turn? With interest rates near all-time lows, and the stock market at all-time highs, the world has flipped upside down for those planning retirement! The ideal retirement situation would be the opposite of today: there would be HIGH interest rates on bonds, with plenty of low-priced stocks sending signals of a long bull market to come.