Bonds vs Annuities - Which Is the Better Retirement Asset?

Are bonds really the best safe asset for retirement? In this episode, Bryan breaks down the key differences between traditional bonds and annuities, revealing why most retirees could benefit from rethinking their "safe money" allocation.

What You'll Learn:
• Why bond funds reveal critical shortfalls in traditional retirement planning
• How annuities provide 50%+ higher guaranteed cash flow than bonds
• The hidden risks of interest rate volatility in bond portfolios
• Real examples from 2016-2024: when bonds won and when they failed
• Why annuities offer better liquidity than most people think
• How to use annuities strategically without "locking up" your money

Key Takeaway: Annuities are essentially upgraded bond portfolios where insurance companies absorb the default risk and interest rate risk, giving you guarantees instead of volatility.

Whether you're holding individual bonds, bond funds, or managing a 401(k) with target-date funds, this episode will help you understand your options and make more informed decisions about your retirement assets.

Not financial advice. For educational purposes only.

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