My wife and I did exactly this after the 2022 bond "crash." We replaced our 60/40 bonds into 60/40 annuities, 2% COLA lifetime annuity. We increased our stock portfolio to 100% growth. Now we are 100% confident in our retirement. Our sequence-to-returns risk has essentially dwindled to zero since between our Social Security and annuities, our protection bucket covers our essential and discretionary spending.
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My wife and I did exactly this after the 2022 bond "crash." We replaced our 60/40 bonds into 60/40 annuities, 2% COLA lifetime annuity. We increased our stock portfolio to 100% growth. Now we are 100% confident in our retirement. Our sequence-to-returns risk has essentially dwindled to zero since between our Social Security and annuities, our protection bucket covers our essential and discretionary spending.
Post: Dump the 60/40 and target date funds for 100% stock plus annuity portfolio?
Link to comment from February 13, 2025