Somewhere in the last 50 years finance pros, and a lot of expensive strategy consultants, led business leaders to believe that if they simply did enough number crunching they could eliminate all risk and plan a guaranteed great future.

FORBES: Disrupt to Thrive in 2011

In return, Beijing gets a big stake in future oil production and a guaranteed oil and gas supply.

FORBES: In Pursuit Of Elephants

But now, a handful of companies are rolling out lower-cost versions of these investments for those willing to give up some benefits, such a feature that bumps up your future guaranteed income if you delay taking withdrawals.

WSJ: Cheaper Annuities With Living Some Benefits