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Research Paper: Determining The Optimal Fixed Annuity For Retirees: Immediate Versus Deferred

TedTed
in Fund Discussions
FYI: This paper contrasts the relative efficiency of single premium immediate annuities (SPIAs) and deferred income annuities (DIAs) for a variety of retirement scenarios. The analysis considers not only traditional nominal SPIAs and DIAs, but also includes variations with inflation riders and period certain benefits.
Regards,
Ted
http://www.onefpa.org/journal/Pages/AUG14-Determining-the-Optimal-Fixed-Annuity-for-Retirees-Immediate-versus-Deferred.aspx

Comments

  • beebee
    If you like this kind of papers here's more research by David Blanchett referred to in Ted's link:

    davidmblanchett.com/research
  • JunksterJunkster
    All these fancy schmancy annuities. I still think if you go that route nothing beats an immediate fixed annuity. I mean it sounds crazy (at least to me as a 67 year old male) for a 65 year old male to buy something that doesn't kick in until they turn 85 in 20 years. I don't know many 85 year old males. Albeit one guy in my Asheville hiking group is 84 and still goes on 10+ mile hikes several times during the week.
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