The Income & Annuities Desk 5 stories this week · 16 total

He spoke on a Goldman Sachs Asset Management panel discussing a 2026 retirement survey in which 83% of respondents said they want guaranteed income, as Fitch put the trailing default rate on U.S. private credit borrowers at a record 6.3%.

Schroders' 2026 survey puts the income target at $5,094 a month while 51 percent of retirees report no strategy for converting savings — awkward timing for the guaranteed-income shelves being built.

Put four annuity account types into the planning software advisers already open every day and the purchase decision moves upstream of the carrier's illustration.

Jackson National and Protective Life join a platform roster that increasingly determines which fee-based annuities reach RIA clients.

A new Vanguard paper traces the retiree drift into required minimum distributions to plan design, putting withdrawal flexibility ahead of the product shelf.

Two forecasters have converged on 3.5% for 2027, and TSCL's own polling suggests the people receiving it will call it too small — pushing the income gap into plan design.

The product that carried the sales boom is now the one shrinking, and the money replacing it behaves differently.

Close to half of the carrier's lifetime advisory annuity sales arrived in the past two years.

A new LIMRA survey finds broad demand for guaranteed retirement income, but pre-retirees' confidence that protected income will cover essentials remains thin — the gap is the next test for advice firms.

A divided Fed and Strait of Hormuz talks framed the industry's 11th straight quarter above $100 billion.

A new IRIC white paper calls underspending a design flaw and gives advisers a playbook built on paychecks, buckets, and menu changes.

A tax-aware comparison of four retirement income strategies puts a one-time 50% annuity purchase ahead of both the 4% rule and full annuitization, while leaving about $500,000 in the account.