Crothers writes: “What if you live to 101 and your ladder finishes at 95? Are you supposed to live on thin air?” Roth anticipates and addresses that question: “While it doesn’t have the longevity protection beyond 30 years, the Society of Actuaries shows a 65-year-old woman will, on average, live to age 90. If you want more longevity protection, put 10% of that money in a low-cost stock index fund and don’t touch it for those 30 years. It lowers the payment by 10% but provides real longevity protection.”
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Crothers writes: “What if you live to 101 and your ladder finishes at 95? Are you supposed to live on thin air?” Roth anticipates and addresses that question: “While it doesn’t have the longevity protection beyond 30 years, the Society of Actuaries shows a 65-year-old woman will, on average, live to age 90. If you want more longevity protection, put 10% of that money in a low-cost stock index fund and don’t touch it for those 30 years. It lowers the payment by 10% but provides real longevity protection.”
Post: Better Alternatives to Buying an Annuity
Link to comment from June 10, 2026
It’s been nominated for the Academy Award for Best Animated Short Film.
Post: Retirement Plan
Link to comment from March 8, 2026