Why Fixed Annuities Outlast TIPS Ladders in Retirement

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