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Top Reason to Buy an Annuity

POSTED Tue, 08/18/2009 - 13:30 | POSTED BY Anonymous

When all is said and done, what is the top reason to consider an annuity?

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tom wrote on Tue, 08/18/2009 - 14:17:

Great question.

Opinions vary of course.

I would say longevity risk. Very difficult to address longevity risk effectively without the use of pooling / insurance. Mortality yield or mortality credit can provide economic benefits that are very difficult to replicate otherwise.

Also, longevity risk is such a huge, sleeper kind of risk facing almost all retirees these days.

Anonymous (not verified) wrote on Mon, 08/24/2009 - 11:07:

OK, how about the next best reason?

tom wrote on Mon, 08/24/2009 - 16:04:

If longevity risk is the top spot, sequence of returns risk would be a relatively close second.

Anonymous (not verified) wrote on Tue, 03/08/2011 - 11:26:

Interesting article in the Wall Street Journal that discusses the "case for annuities":

http://online.wsj.com/article/SB1000142405274870395400457608976166077334...

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