EPISODE · Jun 17, 2026 · 8 MIN
Why Fixed Annuities Outlast TIPS Ladders in Retirement
from Annuities with Fexingo: Income Products, Retirement Planning, and Insurance Investments · host Fexingo
Episode 56 of Annuities with Fexingo tackles a specific retirement-income question: should you build a TIPS ladder or buy a fixed annuity? Lucas and Luna walk through a concrete example—$500,000 at age 65—comparing real yields, longevity protection, and the problem of reinvestment risk. They explain why a fixed annuity can deliver a higher lifetime payout than a TIPS ladder that runs out at age 85, even after inflation. The hosts also discuss the role of Social Security COLA as a natural inflation hedge and why annuitizing a portion of savings can simplify portfolio management. A practical, numbers-driven episode for anyone nearing retirement. #FixedAnnuity #TIPSLadder #RetirementIncome #LongevityRisk #InflationHedge #SequenceOfReturns #RealYield #COLA #SocialSecurity #ReinvestmentRisk #LifetimePayout #RetirementPlanning #BondLadder #AnnuityVsBonds #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
What this episode covers
Episode 56 of Annuities with Fexingo tackles a specific retirement-income question: should you build a TIPS ladder or buy a fixed annuity? Lucas and Luna walk through a concrete example—$500,000 at age 65—comparing real yields, longevity protection, and the problem of reinvestment risk. They explain why a fixed annuity can deliver a higher lifetime payout than a TIPS ladder that runs out at age 85, even after inflation. The hosts also discuss the role of Social Security COLA as a natural inflation hedge and why annuitizing a portion of savings can simplify portfolio management. A practical, numbers-driven episode for anyone nearing retirement. #FixedAnnuity #TIPSLadder #RetirementIncome #LongevityRisk #InflationHedge #SequenceOfReturns #RealYield #COLA #SocialSecurity #ReinvestmentRisk #LifetimePayout #RetirementPlanning #BondLadder #AnnuityVsBonds #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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Why Fixed Annuities Outlast TIPS Ladders in Retirement
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