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Annuities Versus Bonds: Which Might Be Better?

Volatility is the enemy of investors in retirement. You can ride the market’s waves with relative ease as time tends to erase all losses. However, when your timeline is shorter and you’ve already started to withdraw funds from your portfolios, volatility and its decay can wreak havoc on a portfolio. It is to this end that many investors load up on bonds during their later working years and in retirement.

However, that portfolio ballast may not seem secure these days. With rates rising, bonds are becoming a bit more correlated with stocks.
And that’s why annuities may make sense for many investors these days.
Thanks to their steadfast guarantees, fixed annuities may offer the ballast and income generation that investors need and crave in the current high volatility environment.

Be sure to check the Retirement Channel to learn more about investing strategies to build up your nest egg.

Correlated Asset Classes

A Potential Solution

Adding a Fixed Annuity

The Bottom Line