These 1-sided articles get written all the time.
Am still waiting for an article to determine how much in Soc Security benefits was lost due to people WAITING beyond age 62, but who died prior to their break-even date.
Somehow, I expect that number will never be revealed.

None of the male members in my familial roots ever lived to the break even point where waiting would have been beneficial Ergo, neither did I.
How do I calculate my Social Security break-even age?

>> http://cri.georgetown.edu/wp-content/uploads/2019/06/policy-report-19-02.pdf
A key thought about the nonpopularity of annuities:
The individual sees the annuity as a bet, and if they receive the full cost of the annuity payouts before they die, the annuity was a worthwhile investment, but if they die beforehand, it was a bad investment. Less consideration is given to the utility of peace of mind, or the benefits of mortality pooling.

He doesn't even have the guts to mention the disaster that was ARIVX in this little blurb on their new site! That fund was bad because of very poor decisions made by the manager, Eric Cinnamond. My memory is that the only value he seemed to find was PM miners who were in a nosedive and a complete value trap at the time. Also remember him being 20-50% cash when the market took off in 2009 until it closed in 2016. I think it was in the 99th percentile when he closed. I don't think there were many investors left to keep it open. No thanks...
From the People tab on this link:

Eric Cinnamond and Jayme Wiggins met in 2002 when Eric returned to his alma mater, Stetson University, for an alumni event. Jayme learned under Eric as a small cap analyst for the next several years in Jacksonville Beach, Florida, where Eric had managed small cap portfolios since arriving from Evergreen Funds in 1998. Eric implemented an absolute return process while managing the Intrepid Small Cap Composite from 1998-2010 and the Intrepid Small Cap Fund from 2005-2010. Jayme managed high yield bond portfolios, including the Intrepid Income Fund, from 2005-2008, when he departed to earn his MBA at Columbia Business School.
In 2010, Eric started a new small cap fund. The bull market beginning in 2009 elevated small cap valuations to never-before-seen levels. Eric returned capital to investors in 2016 because he did not believe there were compelling investment opportunities. Jayme took over the Intrepid Small Cap Fund upon Eric’s departure in 2010. He managed the fund using the same absolute return investment strategy until September 2018, when his firm decided to pivot to a more fully-invested posture.

The cited paper discusses how various different decumulation strategies could work: SPIA, laddered bonds, systematic [periodic withdrawal] spending, target date fund + QLAC, managed payout fund, and annuity with GMWB rider.
The paper is focused on defined contribution plans (401(k), 403(b), etc.), not IRAs. Nevertheless, the same sort of approaches could be applied to IRAs.
Judging from the reader comments on the MarketWatch site, people seem to view investing during one's decumulation period is no different from investing in one's accumulation period, except perhaps that one focuses a bit more on income-generating securities.
But as the paper states: By recognizing the clear difference between accumulation and decumulation risks, it is easy to understand why income solutions can vary so greatly in terms of composition and the risks they seek to address.
The paper, though it does some simulations, strikes me as largely an overview (albeit a very clear one) of the considerations people have in retirement and how the different approaches address or fail to address them. It's a nice writeup (skip the MarketWatch piece). The three page exec summary in turn makes for a good, somewhat quick read.
http://cri.georgetown.edu/wp-content/uploads/2019/06/policy-report-19-02.pdf

10-4 on Lewis et al.

FYI: The world of retirement savings recently reached a significant milestone that has important implications for workers and retirees: For the first time, assets in defined-contribution savings plans represent more than 50% of all retirement plan assets globally, according to Willis Towers Watson.
While some defined-benefit pension plans still exist, many more workers today have to rely on defined-contribution plans (think: 401(k) and IRA accounts) to fund their retirements. With today’s defined-contribution plans, workers have to assume the responsibility for making all the complex savings and investment decisions that will significantly affect the amount of money they will have available once they stop working and retire.
While recent innovations in defined-contribution retirement plans, such as the use of auto-enrollment, are making it easier to save, the focus now must shift toward a more-comprehensive approach to help individuals make those savings last.
Increasingly, workers expect their retirement plans to not only help them save, but also help them to generate and manage income through retirement. A recent report by the Georgetown University Center for Retirement Initiatives, “Generating and Protecting Retirement Income in Defined Contribution Plans”, looks at how different approaches can meet individual goals for doing just that.
Regards,
Ted
https://www.marketwatch.com/story/the-retirement-plan-of-the-future-turning-that-pot-of-money-into-monthly-income-2019-06-28/print

The Linkster's CD's:
Buy 12/3/18
BANKOFBARODA NEW YORK NY CD
CPN: 2.750% Due : 12/12/2019
Buy 12/3/18
FRANKLN SYN BK CD FRANKLIN TN CD
CPN: 2.500% Due : 8/7/2019
Buy 6/5/19
STATE BANK IND NEW YORK CITY NY CD
CPN: 2.400% Due : 9/16/2019
Buy 6/17/19
TRISTATE CAP BK PITTSBURGH PA CD
CPN: 2.350% Due : 10/21/2019
Regards,
Ted

Let’s say I could earn an extra quarter of a percent by moving my money to another online bank offering better rates. For every $10,000 that would net me a whopping $25 a year in additional interest.
Is it worth it to go through the account opening process, move my money and change my automated savings goals for a measly $25 extra bucks on every ten grand?

But what if you could earn, well not quite an extra quarter of a percent but an extra fifth of a percent without moving your money to another bank? Would it be worth it to open a higher yielding account at the same Marcus bank?
No penalty CDs at one's current bank are worth a look. They're easy to open, you don't have the hassle of dealing with a new institution, you can leave the old account open (with a minimal balance) so that you can maintain your automated deposits. The only downside is that your money is locked up for the first week of the CD.
https://www.depositaccounts.com/banks/marcus-goldman-sachs/offers/
Goldman Sachs Bank USA Cuts Rates Except the 13-Month No-Penalty CD

the 13-month No-Penalty CD ... continues to earn 2.35% APY. The new lower APYs are shown below in bold and are effective as of 6/28/2019. The previous APYs are noted inside parentheses.
Online Savings Account - 2.15% (2.25%)
7 mo NPCD - 2.15% (2.25%)
11 mo NPCD - 2.20% (2.30%)
12 mo - 2.50% (2.60%)
18 mo - 2.50% (2.60%)
24 mo - 2.55% (2.65%)
36 mo - 2.60% (2.70%)
48 mo - 2.65% (2.75%)
60 mo - 2.80% (2.90%)
72 mo - 2.85% (2.95%)

FYI: Yesterday Ben got an email from Marcus, his online savings account.
They lowered the interest rate on my savings (and everyone else’s) from 2.25% to 2.15%.
I heard stories from people who use other savings accounts that also saw a drop. These online savings accounts are obviously getting ahead of the possible Fed rate cut because these short-term interest rates typically track the Fed Funds Rate.
I put out the following on Twitter and got some interesting feedback:
Regards,
Ted
http://awealthofcommonsense.com/2019/06/interest-rate-chasing-in-your-savings-account/

FYI: Almost all American retirees claim Social Security at the wrong time, a new report estimates, which means they will miss out on a collective $3.4 trillion in benefits before they die.
While they can tap their benefits as early as age 62, retirees could boost the size of their checks for every year they wait until age 70, when the maximum benefit accrues. The advantage in waiting is substantial: A person eligible for a $725 monthly check at 62 could get a $1,280 check if they wait to start at age 70.
Regards,
Ted
https://www.fa-mag.com/news/americans-lose-trillions-claiming-social-security-at-the-wrong-time-45690.html?print

FYI:
Regards,
Ted
https://s3.amazonaws.com/dj-mg/bar-marketlab/MarketLab701-07-01-2019.pdf

So his idea of “creativity” is to side-step the (apparently overvalued) S&P 500 and move your cash instead into (1) REITS, (2) Utilities, (3) Junk Bonds, (4) Dividend Paying Stocks and (5) Unconstrained Bond Funds?
I’m not familiar with the last one. But those first 4 are likely bid up just as much over the last year (perhaps more so) as the S&P 500 is. And you’d likely be paying much higher fees to go into one of those type of specialty funds than what an S&P index fund will cost you. So I’m not seeing the “creativity” angle here. Just jumping from one hot frying pan into another it would appear. As far as gold goes, two months ago would have been a good time to pick some up (or the miners). But now it has pretty much caught up with those other areas. The one I own, OPGSX, is up 20% in the past month, which accounts for most of its 24% gain YTD.
It’s been hard for me for many years now to think of cash as an “investment”. Sure, it’s good to hold some as dry powder or for stability or to meet near term needs. But 1-3% annual return on your long term investment pot just doesn’t cut it IMHO.

The Moneywatch writer is a bit LATE to the party. The time to be making those suggestions was Dec2018, not July 2019.

Or turn off cnbc ABC nyt CBS. Watch PBS very neutral but very boring..
Imho the most abused most hard workers are immigrants that came to usa from all corners of world
Everyone-s fav Grandpa Barry and best uncle Joe aunt Elizabeth would surely win 2020 by a mile!! ! Up 7-10pts in polls against spurs

https://www.foxbusiness.com/markets/us-stocks-wall-street-june-28-2019
US stocks end June with robust gains
By Ken MartinPublished June 28, 2019StocksFOXBusiness
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U.S. stocks Opens a New Window. on Friday closed out one of their strongest June performances in decades as Wall Street Opens a New Window. responded to signals that the Federal Reserve Opens a New Window. is moving towards a more accommodating interest rate policy.

Got tax the rich folks 70s%(not 30s%) and raise middle class tax from 25% to 40s-50s% to pay... Everyone who is working gotta pay more for more free stuff for one's not working
Have to give immigrants free Healthcare and free housing ssi since their lives and votes are much more valuable than our vets or our USA citizens. We also should open the borders since we are a living giving and kind supportive nation
Also everyone who wants their private part modified and birth controls are also free (for both men whom wanted be women and women who desire to be men)
Think I need register and vote for bary or uncle Joe 4 or 5 times in 2020. I am hoping to turn Texas blue
Think whoever give /promise most free stuff will get that heelspurs outta WH 2020!!...
Uncle Joe and bary was 5-10s pt ahead of spurs few days ago
Wonder whatever happened to whom ever worked the hardest would get the best grade / accepted to good colleges /gradschools and really have to pay for tuition and schools loan once finished... At least this us what i did and my family did and ended up in middle class 2nd Gen Americans

https://www.marketwatch.com/story/how-to-invest-for-income-when-bonds-pay-pennies-on-the-dollar-2019-06-28
-Opinion: How to invest for income when bonds pay pennies on the dollar
By Jeff Reeves
Published: June 28, 2019 8:08 a.m. ET
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With 10-year Treasury around 2%, it pays to get creative
Getty Images
Investors these days have to learn how to drink from a fire hose of market data. From gold prices to key stock indexes to the unemployment rate, different metrics often say different things about Wall Street and how our investment portfolios are faring.-
.... I Picked up more vnq and eem recently