How Fixed Annuities Replace Bond Ladders in 2026

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How Fixed Annuities Replace Bond Ladders in 2026

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In this episode of Annuities with Fexingo, Lucas and Luna explore a shift reshaping fixed-income portfolios: using multi-year guaranteed annuities, or MYGAs, to replace traditional bond ladders. With the ten-year Treasury hovering around 4.5 percent as of mid-2026, MYGAs are offering 30 to 50 basis points more for similar durations, and the interest is tax-deferred until withdrawal. The hosts walk through a concrete example: a 62-year-old retiree building a five-year MYGA ladder with $250,000 from a maturing CD, comparing it against a five-year Treasury ladder. They discuss state guaranty association coverage, surrender schedules, and why the liquidity trade-off matters for different retirement income strategies. The conversation also touches on how MYGAs fit into a broader diversified bond allocation and when an indexed annuity might make more sense than a fixed rate. Whether you are nearing retirement or just rethinking your fixed-income holdings, this episode offers a practical comparison of two yield-generating approaches. #FixedAnnuities #MYGA #BondLadder #RetirementIncome #FixedIncome #TreasuryYield #TaxDeferred #PortfolioDiversification #AnnuityLadder #RetirementPlanning #IncomeProducts #InsuranceInvestments #SequenceOfReturnsRisk #Liquidity #StateGuaranty #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo

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