A retiree can trade $500,000 in stocks for a Single Premium Immediate Annuity (SPIA) generating $3,800 monthly instead of relying on dividend growth alone. Johnson & Johnson (JNJ) and Procter & Gamble ...
A full-balance SPIA yields roughly 5% IRR, barely edges Treasuries, and loses a third of purchasing power over 20 years to inflation. Partial annuitization of between $200K and $250K covers essential ...
A 65-year-old with a $700,000 IRA receiving a full-balance SPIA offer of $4,800/month has a 12-year payback period and faces significant inflation erosion. Partial annuitization of $200,000-$250,000 ...
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