What’s Really Going to Happen When Social Security Runs Out of Money
![](https://sp-ao.shortpixel.ai/client/to_auto,q_glossy,ret_img,w_800,h_509/https://retirementresearcher.com/wp-content/uploads/2015/12/should-i-claim-social-security-early-scaled-1-1024x651.jpg)
One of the hottest topics in retirement income planning over the past several years has been how to help individuals strategize on their Social Security claiming decisions.
Annuity Pricing Sensitivity
![](https://sp-ao.shortpixel.ai/client/to_auto,q_glossy,ret_img,w_800,h_534/https://retirementresearcher.com/wp-content/uploads/2015/11/time-horizon-discount-rate-social-security-scaled-1-1024x683.jpg)
With all of my discussions of annuities lately, it is worthwhile to also consider the sensitivity of annuity pricing to interest rates, gender and age-related mortality factors. Relationship Between Payout Rates and Interest Rates Figure 1 estimates the relationship between annuity payout rates and interest rates for 65-year old males, females, and opposite-gender couples with […]
Securing Longevity Insurance Through Income Annuities
![](https://sp-ao.shortpixel.ai/client/to_auto,q_glossy,ret_img,w_800,h_450/https://retirementresearcher.com/wp-content/uploads/2015/08/anthony-indraus-134161-1024x576.jpg)
I have published a few pieces in the past couple weeks on how income annuities are priced and used. Understanding how to use annuities can be a great benefit when planning for retirement. Let’s consider another possibility.
Annuity Pricing 102
In today’s scenario, we’ll see what happens to the price of an annuity if:
1. We guarantee income will be provided for at least 10 years, regardless of whether the annuitant lives.
2. We provide a cash refund if the annuitant dies before at least receiving their full principal payment.
3. We include a cost-of-living adjustment for annuity payments.
Retirement Income Strategies with Annuities
![](https://sp-ao.shortpixel.ai/client/to_auto,q_glossy,ret_img,w_800,h_534/https://retirementresearcher.com/wp-content/uploads/2015/08/Retirement-Income-Strategies-with-Annuities-scaled-1-1024x684.jpg)
Income annuities come in a variety of shapes and sizes. It can be overwhelming to know which one makes the most sense for your situation. In this column, I explore how income annuities work and what options are available.