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Old 07-21-2016, 09:56 AM   #41
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Is anyone using the target date income funds as a replacement for annuities? They would seem to address the lack of liquidity of an annuity. Any success stories?

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Old 07-21-2016, 11:26 AM   #42
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Investments... such as they are, calculated at the bottom guaranteed return rate 4%. Don't calculate inflation as investments follow inflation for the most part.
Actually, don't calculate either when doing the annual "where we stand" review.
Ultra conservative. Only plan ahead for 10 years.

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Old 07-21-2016, 11:53 AM   #43
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Originally Posted by COcheesehead View Post
Is anyone using the target date income funds as a replacement for annuities? They would seem to address the lack of liquidity of an annuity. Any success stories?

I do carry a meaningful percentage of my portfolio in Vanguard's Target Retirement Income Fund. But as it's just a fund of funds (stock & bond, mostly index), yes it offers liquidity but I don't consider it an annuity replacement. So far that job belongs to my SS being delayed 'till 70.

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