Annuity Laddering: Building Retirement Income in Stages
Rather than making one annuity decision at one point in time, some retirees build income or protection in stages. Here's how annuity laddering works.
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Explore how annuities may be used for retirement income, growth, principal protection and other retirement goals.
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A market decline can become more consequential when you’re withdrawing money at the same time. A retirement buffer can help separate near-term income needs from longer-term market assets.
By Evan SussmanSeptember 2, 2026
Read ArticleRather than making one annuity decision at one point in time, some retirees build income or protection in stages. Here's how annuity laddering works.
A smarter retirement allocation starts with what your money needs to accomplish. Learn how income, protection, growth and liquidity can work together.
Before choosing an annuity, decide what job you need your money to do. Explore two very different retirement strategies: growth and protection vs. guaranteed income.