I’ll Make My Own Pension

How Annuities Combine Pension-Like Income with Investment Growth

Annuities can bridge the gap between predictable retirement paychecks and investment upside. Here’s how:

The Pension-Like Side

✅ Guaranteed Income

• Fixed indexed or non-indexed annuities pay set monthly amounts for life (like a pension)

• Income riders on annuities lock in minimum withdrawals that you can’t outlive

The Investment-Like Side

✅ Growth Potential

• Variable annuities invest in mutual-fund-like subaccounts

• Indexed annuities earn returns tied to market indexes (with downside protection)

Key Tradeoffs

Lifetime Income
+ Never outlive your money
- Lower inheritance value

Market Links
+ Upside without full risk
- Caps on gains

Fees
+ Protection costs (0.5-1.5%/yr)
- Contracts can be complex (consult with your Chalk Money Financial Planner)

Who It’s For

• Retirees wanting stable income + growth potential

• Investors who’ve maxed out 401(k)/IRA options

• Those nervous about market crashes

*Tip: Annuities can also serve as an excellent alternative or complement to bonds.

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network. The foregoing content reflects the opinions of Jay Kadlec and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions, or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.