#retirement income

3개의 글

July 27, 2026

MYGA Multi-Year Guaranteed Annuity 2026: How It Compares to CDs, Treasuries, and What the Fine Print Really Costs

A practical US-market guide to MYGAs (multi-year guaranteed annuities): how the guaranteed rate and term work, MYGA vs CD vs Treasury vs fixed-indexed annuity, tax deferral, 1035 exchanges, surrender charges, market value adjustment, guaranty association limits, and laddering strategy.

MYGA annuity guaranteed rate

July 21, 2026

QLAC Guide 2026: How a Qualified Longevity Annuity Defers RMDs and Hedges Longevity Risk

A practical retirement-planner's guide to the QLAC (Qualified Longevity Annuity Contract): how a deferred-income annuity inside your IRA or 401k pays out as late as age 85, escapes RMD math, and hedges the risk of outliving your money — plus SECURE 2.0 changes, tradeoffs, and how to buy.

QLAC longevity annuity RMD deferral

May 6, 2026

Fixed Indexed Annuity vs Variable Annuity: Real Costs, Returns & Riders 2026

Comparing fixed indexed annuities (FIA) and variable annuities (VA): participation rate caps, M&E fees, GLWB/GMIB riders, surrender charge schedules, taxation, and how both stack up against low-cost direct investing in 2026.

fixed indexed annuity variable annuity FIA