Guaranteed income options may be coming to your 401(k) if Congress acts
Although an annuity might include an investment component, it's essentially a contract: You hand over your money — either all at once or through regular contributions — and the provider promises to provide regular payments to you across many years. Sometimes, that can be decades.
For people who worry about outliving their assets, an annuity can help ensure that their savings will last their lifetime. Yet they can be tricky to understand and often are more expensive than other choices for where to keep your money. Although annuities can vary widely — both in terms of cost and particular guarantees — there are some broad commonalities.
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