Unlike with an immediate annuity, if there's a balance when you die, it goes to your heirs.
FORBES: Personal Finance
Imagine that Thomas and Martha Jefferson, ages 64 and 62, respectively, purchase an immediate annuity that will pay them a guaranteed 6% annual return.
FORBES: The False Promises of Annuities and Annuity Calculators
Consider an immediate annuity as an income producing alternative.
FORBES: Weave Your Own Retirement Safety Net
Unless the tax deferral is truly important, you might be better off investing in tax-efficient mutual funds or ETFs until you need the money, and then converting it into an immediate annuity.
Buying an annuity begins with the immediate loss of 100% of your original investment.
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