Morningstar - Q4 2021 - 35
Spotlight
Guaranteed Income
Guidelines on Making the Annuity Decision
41
Safe and Sound
How advisors can help clients
assemble a secure
retirement income solution.
SOLUTIONS
Jasmin Sethi
Although they remain drastically underused as
a retirement income tool, annuities have the
potential to provide important benefits to retirees.
High-quality products that guarantee an
income stream can greatly improve the stability
of people's retirement by disbursing
steady payments over the course of their lifetime.
But investing in annuities is not easy, especially
in the retirement accounts where most
Americans hold their investments. Many types
of annuities are opaque and complicated,
making it difficult for normal investors to know
what they are buying, and legal and operational
barriers exist. For these reasons, Morningstar
does not support the wholesale expansion
of annuitization in retirement accounts. Instead,
we're focusing on a subcategory of the
annuity universe: guaranteed-income products.
GIPs, as they are known, provide a stream
of income payments that begin at a certain age,
often a retirement age of 65 or 70, and
continue until either the annuitant's death or
a predefined period.
morningstar.com/lp/magazine
35
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Morningstar - Q4 2021
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Morningstar - Q4 2021 - Cover1
Morningstar - Q4 2021 - Cover2
Morningstar - Q4 2021 - 1
Morningstar - Q4 2021 - 2
Morningstar - Q4 2021 - Contents
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Morningstar - Q4 2021 - Cover3
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