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The Role of Annuities in Retirement

Steve Vernon
The Journal of Retirement Winter 2014, 1 (3) 63-76; DOI: https://doi.org/10.3905/jor.2014.1.3.063
Steve Vernon
is a consulting research scholar at the Stanford Center on Longevity in Oxnard, CA.
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  • For correspondence: svernon@stanford.edu
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Abstract

Deciding how to generate reliable, lifetime retirement income is a critical retirement planning task. Retirees and their advisors can make the best decisions by informing themselves as to the merits of annuities compared with other methods of generating retirement income. An important part of this analysis is comparing the amounts of retirement income generated by the various approaches. The various approaches generate significantly different amounts of income throughout retirement, and they react differently to unfavorable and favorable economic scenarios. This article provides the reader with methods to make these comparisons, and attempts to dispel some of the misinformation and misperceptions surrounding annuities. It also explains that annuities can be used strategically as an important part of an individual’s retirement income portfolio.

TOPICS: Retirement, fixed income and structured finance, wealth management

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The Journal of Retirement: 1 (3)
The Journal of Retirement
Vol. 1, Issue 3
Winter 2014
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The Role of Annuities in Retirement
Steve Vernon
The Journal of Retirement Jan 2014, 1 (3) 63-76; DOI: 10.3905/jor.2014.1.3.063

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The Role of Annuities in Retirement
Steve Vernon
The Journal of Retirement Jan 2014, 1 (3) 63-76; DOI: 10.3905/jor.2014.1.3.063
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  • Article
    • Abstract
    • WAYS RETIREMENT INCOME MAY BE GENERATED
    • BASIC FEATURES OF ANNUITIES AND VARIATIONS
    • ANNUITIES COMPARED WITH OTHER RETIREMENT INCOME GENERATORS
    • RETIREMENT INCOME FROM ANNUITIES VERSUS OTHER RIGS
    • BEHAVIORAL FINANCE AND RELATED CONSIDERATIONS
    • THE ADVANTAGES OF CONTAINING COSTS
    • STRATEGIC USES OF ANNUITIES
    • SUMMARY
    • APPENDIX
    • ENDNOTES
    • REFERENCES
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