Investing - Theory, News & General • Re: No equities allow higher withdrawal rates

So: $58k contractually funded versus $40k exposed to market risk.

For a retiree intending to spend their capital rather than maximise an inheritance, what exactly is the equity risk buying?

Does this theoretical 70-year-old want to be buried with their TIPS? If no legacy goal, then why use not that fact to leverage mortality? 750k into a SPIA at 70 would give you almost 70k/year, then putting the other 250k into a DIA for 80 would nearly double your income at that age.

Statistics: Posted by GeorgiaGuy — Fri Sep 25, 2026 2:36 pm