Is NOW The Time For Risk-Free Guaranteed Retirement Income?
Retirement has always been a nerve-wracking prospect — and in today’s uncertain world, the challenge of turning your life savings into a secure, reliable, and inflation-proof income is greater than ever.
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In this video, “Is NOW the time for risk-free guaranteed retirement income?” we take a fresh look at how annuities have evolved and why they’re now being reconsidered as a powerful tool in your retirement income strategy.
We break down the risks facing retirees today — from market volatility and inflation, to geopolitical uncertainty and the fear of running out of money too soon. Then we dig deep into how lifetime annuities and fixed-term annuities can help manage those risks by offering a guaranteed income for life or for a set period.
Once seen as inflexible and poor value, annuities were considered “zeroes.” But thanks to higher annuity rates, inflation-linked income options, guaranteed death benefits, and enhanced income for poor health, annuities are quickly becoming “heroes” in the world of retirement income planning.
We cover:
What is an annuity and how does it work?
What are the pros and cons of annuities in 2025?
How annuities protect against inflation and market risk.
What is a fixed-term annuity and when does it make sense?
Case study: How Ian uses a fixed-term annuity + income drawdown + state pension for a sustainable, balanced retirement income strategy.
How much income could £100,000 buy today? We run a real quote using the MoneyHelper annuity calculator.
We also bust common myths, such as “the annuity dies with you,” and explain how income guarantees, death benefits, and the Financial Services Compensation Scheme (FSCS) offer peace of mind.
If you’re thinking about how to build a retirement plan that provides steady income, protects your essential costs, and gives you flexibility, this video will help you understand how annuities can be part of that picture — whether for you or a family member.
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CHAPTERS
00:00 Introduction
01:48 What is an annuity?
05:17 What is a fixed term annuity?
06:51 Case study to show the benefits
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