Abstract
In <b><i>The Role and Inner Workings of Variable Annuities with Guaranteed Lifetime Withdrawal Benefits in Retirement</i></b>, from the Summer 2022 issue of <b><i>The Journal of Retirement</i></b>, <b>Wade Pfau</b>, of <b>The American College of Financial Services</b>, argues that variable annuities have a place in retirement plans for many individuals. He particularly favors variable annuities with living benefits, which provide the opportunity to gain exposure to market growth while also supporting structured lifetime income and asset liquidity. The author covers the basics of how variable annuities function and what options to look at when assessing them. He explains the key terms that are the most frequent sources of confusion about annuity plans.
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