How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder.Topics covered include:<ul><li>How immediate annuities and deferred income annuities work</li><li>What are mortality credits, and why they are a key diversifier</li><li>Examples of how mortality credits lead to a 1% to 1.5% higher annualized return over several decades</li><li>How to decide whether an annuity is right for you</li></ul>Episode Sponsors<a href="https://netsuite.com/david" rel="noopener noreferrer" target="_blank">NetSuite&nbsp;</a>LinkedIn Jobs –&nbsp;<a href="https://linkedin.com/david" rel="noopener noreferrer" target="_blank">Use this link to post your job for free on LinkedIn Jobs</a>Insiders Guide Email NewsletterGet our&nbsp;<a href="https://moneyfortherestofus.com/insiders-guide/" rel="noopener noreferrer" target="_blank">free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</a>Our Premium Products<a href="https://assetcamp.com/" rel="noopener noreferrer" target="_blank">Asset Camp</a><a href="https://moneyfortherestofus.com/hub/" rel="noopener noreferrer" target="_blank">Money for the Rest of Us Plus</a>Show Notes<a href="https://bogleheads.org/forum/viewtopic.php?t=448395" rel="noopener noreferrer" target="_blank">Post: No, really. Deferred income annuities (DIAs) are superior to SPIAs in every way by Boglehead User "GoWithTheCashFlow"—Bogleheads</a><a href="https://www.ssa.gov/oact/STATS/table4c6.html" rel="noopener noreferrer" target="_blank">Actuarial Life Table—SSA</a><a href="https://www.tipsladder.com/" rel="noopener noreferrer" target="_blank">TIPSLadder</a><a href="https://retirementresearcher.com/books/" rel="noopener noreferrer" target="_blank">Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade D. Pfau—Retirement Researcher</a>Related Episodes<a href="https://moneyfortherestofus.com/464-lock-in-high-yields-2/" rel="noopener noreferrer" target="_blank">464: More Ways to Lock in Higher Yields in Case Interest Rates Fall</a><a href="https://moneyfortherestofus.com/454-tips-ladder/" rel="noopener noreferrer" target="_blank">455: Easier Investing, Richer Life: TIPS Ladders to Annuities</a><a href="https://moneyfortherestofus.com/407-worry-free-retirement-investing/" rel="noopener noreferrer" target="_blank">407: Worry-Free Retirement Investing</a><a href="https://moneyfortherestofus.com/279-income-annuity/" rel="noopener noreferrer" target="_blank">279: Why All Retirees Should Consider an Income Annuity</a>See Privacy Policy at <a href="https://art19.com/privacy" rel="noopener noreferrer" target="_blank">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="noopener noreferrer" target="_blank">https://art19.com/privacy#do-not-sell-my-info</a>.

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