A deferred annuity is an insurance contract where you invest money now and receive regular income payments starting at a future date (the deferral period). It combines a savings phase (accumulation) with a later income phase (annuitization), making it popular for retirement planning.
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Pro Tip
Compare annuity rates against simply investing in a low-cost index fund and withdrawing 4% per year. Annuities guarantee income you can't outlive, but index funds may outperform over long periods.
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Did You Know?
Annuities were first used by the Roman government to pay soldiers — soldiers could invest money and receive lifetime income (an 'annua' — annual payment). The concept has been used continuously for over 2,000 years.
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