EPISODE · May 29, 2026 · 9 MIN
Why Fixed Annuities Beat Bonds Right Now
from Annuities with Fexingo: Income Products, Retirement Planning, and Insurance Investments · host Fexingo
With the ten-year Treasury yielding around 4.3 percent in late May 2026, fixed annuities are offering 5.2 to 5.5 percent for comparable durations. Lucas and Luna drill into why this yield gap — roughly 100 to 120 basis points — has persisted for over 18 months and what it means for retirees and near-retirees. They walk through a concrete example: a 62-year-old with $300,000 in a 401k weighing a five-year fixed annuity versus a bond ladder. They discuss the structural reasons insurers can offer higher yields — including their ability to hold illiquid assets like private credit and commercial mortgages — and flag the trade-offs including liquidity loss and surrender periods. The episode closes with a practical checklist for comparing an annuity quote to a Treasury bond of the same maturity. No product pitch, just the math. #FixedAnnuities #Bonds #TreasuryYield #Retirement #RetirementPlanning #IncomeProducts #AnnuityYields #BondLadder #YieldGap #Liquidity #SurrenderPeriod #PrivateCredit #SequenceOfReturns #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #AnnuitiesWithFexingo Keep every episode free: buymeacoffee.com/fexingo
What this episode covers
With the ten-year Treasury yielding around 4.3 percent in late May 2026, fixed annuities are offering 5.2 to 5.5 percent for comparable durations. Lucas and Luna drill into why this yield gap — roughly 100 to 120 basis points — has persisted for over 18 months and what it means for retirees and near-retirees. They walk through a concrete example: a 62-year-old with $300,000 in a 401k weighing a five-year fixed annuity versus a bond ladder. They discuss the structural reasons insurers can offer higher yields — including their ability to hold illiquid assets like private credit and commercial mortgages — and flag the trade-offs including liquidity loss and surrender periods. The episode closes with a practical checklist for comparing an annuity quote to a Treasury bond of the same maturity. No product pitch, just the math. #FixedAnnuities #Bonds #TreasuryYield #Retirement #RetirementPlanning #IncomeProducts #AnnuityYields #BondLadder #YieldGap #Liquidity #SurrenderPeriod #PrivateCredit #SequenceOfReturns #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #AnnuitiesWithFexingo Keep every episode free: buymeacoffee.com/fexingo
NOW PLAYING
Why Fixed Annuities Beat Bonds Right Now
No transcript for this episode yet
Similar Episodes
No similar episodes found.
Similar Podcasts
No similar podcasts found.