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More Article : How to invest for lifetime income and long-term growth
You're talking about this decision as if it's an
either-or thing. But it's not. You have a third option -- namely, devote
a portion of your savings to an immediate annuity
that can provide income you can't outlive, and invest the rest in a
diversified portfolio of stock and bond funds, plus a cash reserve.
By taking this approach, you get the guaranteed lifetime payments
that only an annuity can offer; the long-term capital growth that a
diversified portfolio of stocks and bonds can provide; and a secure cash
reserve you can dip into for emergencies and such and to pay any living
expenses beyond what your annuity payments, Social Security and any
pensions will cover.
You can set up such a system any number of ways, but here's a simple example of how one might work. Let's say you have $1 million in retirement savings. If you put, say, 25% of that amount, or $250,000 into an immediate annuity that would generate guaranteed lifetime payments of about $1,350 a month for a 65-year old man, $1,290 for a 65-year-old woman or $1,155 for a 65-year-old couple (man and woman) as long as either one of the couple is alive. (To see how much guaranteed monthly income you might receive based on your age, sex and the amount you have to invest, check out this annuity calculator.)
That would leave you with $750,000 in savings. You would use some of that to fund your cash reserve, which you would want to invest in totally secure cash equivalents -- say, an FDIC-insured savings or money-market account. Remember, you won't be relying on this fund to pay all of your expenses. You'll have money coming in from your annuity and Social Security to cover, if not most, then likely a good chunk of your ongoing living costs. So you want to keep enough in your reserve account to handle, say, one to two years' worth of living expenses beyond what your guaranteed income sources will cover, plus some additional funds for unanticipated expenses or the occasional splurge.
Clearly, the amount you devote to this account will depend on the specifics of your situation. But for the sake of this example, let's say you set aside $50,000 in your cash reserve.
With $250,000 invested in the annuity and $50,000 in your cash reserve, you would then have $700,000 remaining to invest in a diversified portfolio of stocks and bonds. Many retirees like to keep roughly 40% to 60% of their portfolio invested in stocks and the rest in bonds and cash. But you can get a sense of what percentages are appropriate for you by going to Vanguard's risk tolerance-asset allocation tool.
This stash of stocks and bonds serves several purposes. One is to act as a "feeder fund" of sorts for your cash reserve -- that is, as you spend down your cash reserve to cover current expenses, you would periodically replenish it with draws from your portfolio. You could also funnel any regular income your portfolio generates -- dividends, capital gains distributions from your funds -- into your reserve.
