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Retirement Income Planning: the Right Time to Annuitize (PDF)
Still River Retirement Planning SoftwareLink to more items from this source
Nov. 11, 2004

6 pages. Excerpt: Identifying the optimal time to annuitize retirement savings is a subject of both academic and practical interest. However, attempts to define the perfect time are doomed to failure, because the optimal moment can be identified only in retrospect, when you're already dead. Spreading annuitization out over a fairly large number of years is preferable – not only for risk management reasons, but for psychological reasons as well.

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