{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Bell Doesn't Ring at the Top or the Bottom: Fun With Annuities","description":"In this solo episode, Stan, The Annuity Man, explains why trying to \u201ctime\u201d annuities is a losing game\u2014and how focusing on simple, contractual guarantees can transform your retirement income. If you\u2019ve ever wondered whether to wait for better rates or turn on your income now, this breakdown will challenge your assumptions and put lifestyle back at the center of your planning. &amp;nbsp;&amp;nbsp; In this episode, The Annuity Man discussed:&amp;nbsp;   Why the \u201cbell doesn\u2019t ring\u201d at the top or bottom in markets or annuities   MYGAs and locking in fair contractual guarantees   Lifetime income products and life expectancy math   Social Security timing and the cost of waiting   Retirement lifestyle phases: go go, slow go, and no go   &amp;nbsp; Key Takeaways:&amp;nbsp;   Annuities should be purchased for what they are contractually guaranteed to do, not for hypothetical growth or back-tested projections.   Trying to time interest rates or find a \u201csweet spot\u201d for buying income products is futile because payouts are fundamentally driven by life expectancy math.   Waiting for a higher future payment can backfire if you ignore all of the income you forgo in the meantime and the uncertainty of how long you\u2019ll live.   Retirement planning works best when you first define what you want your money to do and when you want it to start doing it, then use the least amount of capital to lock in those guarantees.   The real purpose of lifetime income is to support your lifestyle\u2014especially in the \u201cgo-go\u201d years\u2014so you can enjoy your own money instead of just preserving it for others.   &amp;nbsp; &quot;Annuities are simple; they're math, they're contractual.&quot; \u2014&amp;nbsp; Stan The Annuity Man &amp;nbsp; Connect with The Annuity Man:&amp;nbsp; Website: http:\/\/theannuityman.com\/&amp;nbsp; Email: Stan@TheAnnuityMan.com&amp;nbsp; Book: Owner\u2019s Manuals: https:\/\/www.stantheannuityman.com\/how-do-annuities-work YouTube: https:\/\/www.youtube.com\/channel\/UCCXKKxvVslbeGAlEc5sra2g&amp;nbsp; Get a Quote Today: https:\/\/www.stantheannuityman.com\/annuity-calculator! ","author_name":"\u201cFun With Annuities\u201d The Annuity Man Podcast","author_url":"https:\/\/www.TheAnnuityMan.com","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/42241805\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/42241805"}