Moshe Milevsky: Learning from History with Annuities (From the Vault)
“Fun With Annuities” The Annuity Man Podcast
Release Date: 12/02/2025
Moshe Milevsky: Learning from History with Annuities (From the Vault)
“Fun With Annuities” The Annuity Man Podcast
In case you missed it, I have decided to circle back to one of my Fun With Annuities episodes that just cannot be missed. This one has annuity gold, and it is definitely a must-listen. In this episode, The Annuity Man and Moshe Milevsky discuss: The problem with annuities What’s a tontine? How income increases with tontines The gap between healthspan and lifespan Key Takeaways: The point of annuities is to generate a predictable income even when you can no longer make decisions yourself due to cognitive decline. That’s why...
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Comparing Myga Interest Rates to Spia Rates: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Distinguishing annuity types Applying the PILL strategy Interpreting annuity yields Securing contractual understanding Key Takeaways: Understanding the purpose of different annuities is crucial: MYGAs provide guaranteed interest on principal like a CD, while SPIAs deliver a lifetime income stream tailored to longevity. Each serves a distinct financial goal. The "PILL" framework—Principal protection, Income for life, Legacy, Long-term care—helps determine whether an annuity aligns with your needs and long-term...
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Annuity Zero Is Not Your Hero: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: What does “zero is your hero” mean Dirty tactics that agents use to sell annuities A more rational alternative to the CD product Zero is not your hero Key Takeaways: The phrase “zero is your hero” means that when the market goes down, you will not lose any money. In this world that we live in, you should always be getting some interest on your money. Be wary of these two dirty tactics agents use to sell annuities: back-tested numbers and upfront bonuses. Don’t base your decision on...
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Rick Ferri: Core-4 Portfolios for Simplistic Success (From the Vault)
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man and Rick Ferri discuss: Outperforming 90% of investors Developing a simple portfolio Five ways to improve your portfolio Facing the risks Key Takeaways: Investing is not as difficult as others would have you believe. The best way to invest is to keep things simple; the fewer moving parts, the better. Develop a simple portfolio that will hold four funds, two stock funds and two bond funds. The bond funds have to be some fixed income type of allocation, while on the stock side, you do a stock market index fund...
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Political Chaos Equals Contractual Opportunities: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: How chaos leads to both risks and opportunities What contributes to financial uncertainty? Maximizing lifestyle and financial security Locking in guarantees Key Takeaways: Political chaos leads to both risks and opportunities in investments, especially regarding annuities. Market volatility and potential government actions (like new cryptocurrency regulation) create financial uncertainty. Evaluate your age, health, and risk to maximize lifestyle and financial security. Locking in contractual guarantees such...
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Crypto Dice Throw or Annuity Guarantees: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Choosing guarantees over speculation Knowing your “PILL” for protection Building your income floor Balancing risk with security Key Takeaways: Crypto investments are like rolling dice, while annuities provide contractual guarantees and predictable results. Building financial security means focusing on what you can count on, not what you can guess. The four reasons for owning an annuity are Principal Protection, Income for Life, Legacy, and Long-Term Care. These act as anchors for stability when market uncertainty...
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Wade Pfau: Retirement Income Style Awareness (From the Vault)
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man and Wade Pfau discuss: Retirement Income Style Awareness (RISA) framework Wade’s different viewpoint on retirement 4% rule of thumb and its limitations The truth about retirement planning strategies Key Takeaways: Understanding one's preferred retirement income strategy via the Retirement Income Style Awareness (RISA) framework. It assesses different retirement strategies that align with the retiree’s needs and goals, such as total return investing, time segmentation or bucketing, and essential versus discretionary expenses. Go...
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Market Freestyle or Annuity Lifestyle: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Building stability through guaranteed income Balancing growth with protection Turning profits into long-term security Planning now for future calm Key Takeaways: Relying solely on volatile markets can be risky, especially with age. Creating an “income floor” through Social Security, pensions, and annuities ensures predictable income and peace of mind. The “market freestyle” approach offers growth but carries volatility. Shifting gradually toward an “annuity lifestyle” locks in income, protecting gains and...
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Do Not Throw Annuity Darts at Your Death: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Planning spousal income with precision Avoiding risky annuity strategies Building protection through legal planning Resisting sales pressure and complexity Key Takeaways: Secure your spouse’s future by designing an intentional plan, not by guessing or rushing into annuities. Reverse engineer the exact income amount they will need, and let legal mechanisms trigger it at the right time. Precision brings peace of mind. Never buy annuities based on fear of death or timing. Emotional decisions lead to...
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Fixed Index Annuities Tailored to Your Goals: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: The purpose of Fixed Index Annuities Buying only for contractual guarantees Why do some agents oversell Index Annuities Understanding contractual guarantees Key Takeaways: Fixed Index Annuities are designed for principal protection and lifetime income, not market growth. Buy annuities only for contractual guarantees, not for upfront bonuses or agent projections. Index Annuities are complex products often oversold by agents for high commissions. Buyers should thoroughly understand...
info_outlineIn case you missed it, I have decided to circle back to one of my Fun With Annuities episodes that just cannot be missed. This one has annuity gold, and it is definitely a must-listen.
In this episode, The Annuity Man and Moshe Milevsky discuss:
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The problem with annuities
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What’s a tontine?
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How income increases with tontines
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The gap between healthspan and lifespan
Key Takeaways:
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The point of annuities is to generate a predictable income even when you can no longer make decisions yourself due to cognitive decline. That’s why agents have to make sure the clients understand and continue to understand what they are buying and what contractual guarantees they have in place.
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A tontine is one of the many strategies people use to finance themselves in retirement, in which the longest-living people get the most income, while the people who didn’t live a long time get a smaller amount of income.
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Tontines increase the income for all living people involved as time passes because the same income amount is being split within a group that gets smaller as members pass away. The mortality rate becomes a real interest rate - this is most interesting in the current inflationary times.
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Money alone doesn’t solve your problems; just throwing money at a problem won’t make it go away. You need to do something with it to solve your problems, and one of the biggest problems in aging is the gap between health span and lifespan.
"When you have a product that is meant to help people that are eventually going to cognitively decline, there's a higher burden of care there because you got to make sure that they understand what they're buying and they continue to understand what they're buying." — Moshe Milevsky
Connect with Moshe Milevsky:
Website: https://moshemilevsky.com/
Connect with The Annuity Man:
Website: http://theannuityman.com/
Email: Stan@TheAnnuityMan.com
Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g
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