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Reply to "Is a pension all it’s cracked up to be?"
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[quote=Anonymous]I always shake my head at people who cling to pensions but would never buy an annuity. Look, you can save, invest in stocks, and then use a PORTION of your portfolio to buy a lifetime annuity as a substitute for some of your bond portfolio. Private annuities don’t typically have COLAs, but you can layer them. So, after 10 years, if you need more income, buy another, incremental, lifetime annuity. How? Sell some of your stocks that have continued to appreciate over that ten year period. Basically, use stocks for principal growth and annuities - not bonds - for steady, guaranteed income. [/quote]
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