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Tag Archive: Income Riders as alternatives to investments

Using Annuities As An Alternative To The 60/40/4 Rule

John P. Grimes

Not sure what the 60/40/4 rule is? My guess is you probably do know. If you’ve worked with a financial advisor to help you plan for retirement or read any number of financial publications or googled ‘retirement strategies’ then you’ve seen some form of this rule of thumb for a secure stream of retirement income. Basically, if you have 60% of your retirement funds in stocks, 40% in Bonds and withdraw 4% per year then historically your retirement nest egg should last as long as...

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