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The Retirement Income Challenge: Deferred Income Annuities Before Retirement (PDF)
Northwestern Mutual 
Apr. 16, 2015
"Setting assets aside before retirement to buy a DIA places a portion of the retirement portfolio into a bond-like financial vehicle and these funds should be viewed as such when evaluating the overall asset allocation ... When a retirement plan allocates a portion of its assets to a DIA, the average cost of retirement is reduced by softening the financial blow of a long lifetime or poor market returns. The purchase of a DIA before retirement is particularly valuable for clients who would have maintained a stock allocation lower than 70%.... [S]hort deferral DIAs can reduce the cost of funding retirement, provide longevity protection, and provide important behavioral benefits to clients concerned about near retirement market performance."
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