In a low interest rate environment, annuities provide an option that reduces longevity and sequence-of-return risks.

DPL Financial Partners hosted a webinar, "Retirement in the Era of Low Interest Rates," featuring David Lau (Founder & CEO, DPL Financial Partners), Professor Michael Finke (The American College of Financial Services), and Hugh Penney (Yale University). Speakers examined how today’s low-yield bond environment challenges retirement outcomes and highlighted the role annuities can play in reducing longevity and sequence-of-return risks.

David Lau noted that “annuities can generate income 40% more efficiently than bonds today,” offering a more effective way to deliver predictable retirement income. Professor Finke added that while many investors rely on bonds, “economists can’t do with stocks and bonds what they can do with annuities,” underscoring the advantages of income protection strategies.

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