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  "notes": "The table shows that increasing annuity allocation consistently improves annual spending potential across all probability-of-success tiers.",
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      "text": "Please see Three reasons to seek annuity income for more information.",
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      "text": "Annuities help to protect against sequence-of-returns risk, managing the risk of needing to delay retirement or reduce spending during retirement due to poor returns.",
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      "text": "A married couple (70yr old male, 65yr old female) can now lock in a joint life immediate annuity with a payout rate of approximately 6.9%, representing ~$34,500 of annual income for a $500,000 annuity.",
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      "text": "Annuities help to protect against sequence-of-returns risk, managing the risk of needing to delay retirement or reduce spending during retirement due to poor returns.",
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      "text": "Annuity income is a valuable addition to most financial plans, and is especially effective for families targeting a high probability of success in their financial plan.",
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      "text": "Annual spending: 28%",
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      "text": "Annual spending supported by a 60% US large-cap stocks and 40% US government bonds, based on 1,000 trials using UBS Equilibrium Capital Market Assumptions",
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      "text": "Note: Expected portfolio return 6.0% per year, expected annual portfolio volatility 9.6%. Annuity payout is 6.5% rate... Source: CANNEX, UBS Wealth Management USA Asset Allocation Committee, as of 31 August 2023.",
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      "text": "Annuity allocation vs 35-year probability of success (85%, 90%, 95%, 99%) for 0%, 10%, 20%, 30% allocations",
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      "text": "Annuities can boost your safe spending potential in retirement",
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