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
they know how they they know how it works, how their spending works with a paycheck.
They've spent their whole life, right, getting a paycheck.
They know how to spend against the paycheck.
They know how to budget.
And the annuity can can replace that.
And so you get a lot of different behavioral benefits, you know, out of the you know, out of the annuity that
that don't get addressed, you know, through investing alone.
And and that's what you see so many advisors are like
I've got basically one retirement strategy.
It's going to be keep you in the market and we're going to have a safe withdrawal rate.
You know, and but it's going to be basically all investments.
Um, you know, with maybe we'll mix in some dividend yielding stocks or something, you know, something like this.
But it's it's basically still 100% market risk.
And
If you read like a Wade Fowl, you know, they'll you know, he'll write about how the optimal retirement
portfolio is equities and annuities, not fixed income, you know, for all the different benefits that annuities will bring.
Right.
But but but annuities have liquidity.
So it's really only SPIS, you know, single premium immediate annuities where, you know, a lot because a lot of people don't understand, you know, all the different options available within different products and different options within those products.
But a SPIA is is the product that most people think of when they think of annuities.
Showing 81–100 of 345 · page 5 of 18
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