Income & Annuities: archive
Every Income & Annuities story in Retirement, newest first. 29 stories
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Capital Group paper lays out 4% to 5.5% withdrawal rates for target-date funds
The framework models a 30-year retirement, with fixed annual withdrawals starting at 4% to 4.5% and variable withdrawals at 5% to 5.5%.
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Capital Group publishes 4% to 5.5% target date withdrawal ranges
The Los Angeles manager also renamed its 2010 through 2025 target date funds to include "retirement income," pointing the funds at the spending phase.
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F&G survey finds 51% of pre-retirees plan to semi-retire
Social Security uncertainty tops retirement-planning concerns, cited by 46 percent of respondents in F&G's August Censuswide survey.
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Cerulli finds no single DC income preference dominates; Guardian cites 64% guaranteed-income confidence
In Cerulli's DC distribution report, 46% of participants wanted flexible withdrawals and 39% guaranteed monthly income, while Guardian found only 34% had planned for income past age 80.
Only four in 10 pre-retirees work with an adviser, LIMRA finds
Eighty-eight percent have considered retirement income, but 76% have no plan or spent fewer than five hours on one in the past year.
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Guardian survey finds 34% plan income at 80 or older
The insurer's Oct. 13 Retirement Redefined research puts the share who say they are more adequately prepared for ages 60 to 69 at 48%.
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Cerulli: DC retirement income options need advice to drive adoption
The U.S. Defined Contribution Distribution 2026 report says 46% of participants want to withdraw money at any time, while 39% want a guaranteed monthly payment that continues after their savings run out.
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Cerulli: 46% of pre-retirees want anytime withdrawals, 39% guaranteed income
Consultants told Cerulli plans may need two or three retirement income options to meet varied preferences.
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IRIC's Kevin Crain says imprecise terms stall retirement income decisions
The council's proposed language framework would treat "retirement income" as a category rather than a product synonym.
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Harris Poll: 85% of workers 40-61 rate guaranteed monthly income appealing; 23% own annuities
The poll for Athene found 34% of respondents said they mostly or fully understood annuities, while 54% knew very little about them or only somewhat understood them.
2 stories
J.P. Morgan Asset Management broadens in-plan income access on Retirement Link
The platform will carry wider access to SmartRetirement Lifetime Income through an expanded connection with Empower, its recordkeeper since 2012.
Harris poll for Athene: 85% of Gen X, Millennials want in-plan guaranteed income
The survey of 2,000 adults with moderate income and assets found health care costs (67%) and inflation (62%) were the leading concerns.
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Prudential survey finds most retirees over $500,000 remain hesitant to spend
Prudential's 2026 Retirement Pulse reports that 61% of respondents with more than $500,000 in investable assets are uncomfortable with discretionary spending, and 70% would rather leave money behind than deplete it.
Prudential survey finds 86% of retirees hesitate to spend their savings
The 2026 Retirement Pulse also found that 61% of respondents with at least $500,000 in investible assets weren't convinced they could use their money any way they wished.
3 stories
TIAA study ties AI and GLP-1 longevity to retirement funding worries
The survey of 1,000 people finds more than 80% concerned about the cost of longer lives, and 43% doubting traditional planning will stretch that far.
TIAA survey finds 53% of adults fear outliving savings
The insurer's KRC Research survey of 1,000 adults aged 18 to 65 also finds 43% doubt traditional planning methods keep pace with longer lifespans.
Guardian survey finds 13% on track to save for the retirement they want
The insurer's 2026 Mind, Body, and Wallet report recorded its lowest well-being and financial health readings in 15 years, and 41% of respondents doubt their savings will last.
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T. Rowe Price's Wyatt Lee says private credit is becoming a big piece of annuity holdings
He spoke on a Goldman Sachs Asset Management panel discussing a 2026 retirement survey in which 83% of respondents said they want guaranteed income, as Fitch put the trailing default rate on U.S. private credit borrowers at a record 6.3%.
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Half of retirees never chose an income strategy
Schroders' 2026 survey puts the income target at $5,094 a month while 51 percent of retirees report no strategy for converting savings — awkward timing for the guaranteed-income shelves being built.
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MoneyGuide's annuity account types make the projection the new shelf
Put four annuity account types into the planning software advisers already open every day and the purchase decision moves upstream of the carrier's illustration.
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SS&C widens Black Diamond's annuity shelf to seven carriers
Jackson National and Protective Life join a platform roster that increasingly determines which fee-based annuities reach RIA clients.
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Vanguard to plan sponsors: your decumulation default is the RMD
A new Vanguard paper traces the retiree drift into required minimum distributions to plan design, putting withdrawal flexibility ahead of the product shelf.
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Social Security's 2027 raise looks bigger than it will feel
Two forecasters have converged on 3.5% for 2027, and TSCL's own polling suggests the people receiving it will call it too small — pushing the income gap into plan design.
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LIMRA's final Q2 tally slips, with fixed-rate deferred carrying the miss
The product that carried the sales boom is now the one shrinking, and the money replacing it behaves differently.
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MassMutual Ascend passes $2 billion in advisory annuity sales
Close to half of the carrier's lifetime advisory annuity sales arrived in the past two years.
Protected-income demand is outrunning advisor delivery
A new LIMRA survey finds broad demand for guaranteed retirement income, but pre-retirees' confidence that protected income will cover essentials remains thin — the gap is the next test for advice firms.
Annuity sales hit record $123.9B as Fed hawks reshape fixed income
A divided Fed and Strait of Hormuz talks framed the industry's 11th straight quarter above $100 billion.
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The last mile of retirement is a spending problem
A new IRIC white paper calls underspending a design flaw and gives advisers a playbook built on paychecks, buckets, and menu changes.
A 50% annuity purchase beats the 4% rule in AEI-ACLI models
A tax-aware comparison of four retirement income strategies puts a one-time 50% annuity purchase ahead of both the 4% rule and full annuitization, while leaving about $500,000 in the account.