David Lau
speaker
345 appearances
1 recordings
1 series
first heard Jun 2026
last heard 25 Jun
David Lau’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.
Appearances
But the annuity will always be better than fixed income.
And per dollar invested, you're going to get more in income out of an annuity than you will a fixed income portfolio.
And it depends on the interest rate environment.
In a higher interest rate environment, like a normalized interest rate environment, and say a 5% 10-year treasury market, it's going to be about 25% more you're going to get out of an annuity.
And in a lower interest rate environment, it can be up to 50%, 60%, 70%.
Yeah.
And the the embedded
uh um the embedded credits, you know, uh I'm sorry, mortality credits within the product never change, right?
And so they're always there and you don't get mortality credits investing in in fixed income.
So the payout rates are always going to be higher.
But so that's number one.
Then, two, is you're talking about the behavioral benefits.
There are so many behavioral benefits to annuities, and we not only you read it in the academic research, we hear it from the advisors we work with.
So we do, you know, we work with RIAs, you know, primarily, many, many who have never used annuities before, and they report back to us the same kind of things you're talking about.
I started using annuity.
With my clients.
And one, the phone doesn't ring as much when the market's volatile, you know, with my retirees.
They're more comfortable.
They're more comfortable spending their money in retirement because they know that they've got that protection for, you know, lifetime income.
And they also, to, you know, to your other point, they they kind of have a budget.
Showing 61–80 of 345 · page 4 of 18
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