How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder.

Topics covered include:

• How immediate annuities and deferred income annuities work
• What are mortality credits, and why they are a key diversifier
• Examples of how mortality credits lead to a 1% to 1.5% higher annualized return over several decades
• How to decide whether an annuity is right for you

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Show Notes

Post: No, really. Deferred income annuities (DIAs) are superior to SPIAs in every way by Boglehead User "GoWithTheCashFlow"—Bogleheads

Actuarial Life Table—SSA

TIPSLadder

Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade D. Pfau—Retirement Researcher

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455: Easier Investing, Richer Life: TIPS Ladders to Annuities

407: Worry-Free Retirement Investing

279: Why All Retirees Should Consider an Income Annuity

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