Unlocking Hidden Returns: How Mortality Credits Boost Retirement Income | Money For the Rest of Us Podcast

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
Related Episodes
464: More Ways to Lock in Higher Yields in Case Interest Rates Fall
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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