One problem with SPIAs is that the lump sum given to an insurance company goes away permanently.
FORBES: Immediate Annuities Aren't for Everyone
SPIAs offer income security that so many American retirees seek and need.
He says SPIAs can have a place for middle income retirees for the reasons I mentioned earlier, although he does warn of the risks.
In summary, SPIAs may be a suitable idea for the large segment of retirees who have built modest savings and do not have multiple sources of income.
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