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Robo advisers can be very practical and efficient for investors. While robos generally are beneficial as they often invest in low-cost funds and ETFs, ideally, they should also include quality single-premium immediate annuities (SPIAs) and deferred-income annuities (DIAs) to simplify investment planning and allow retirees to spend more.
SPIA and DIAs are within the category of guaranteed income products (GIPs), which we refer to in this article. GIPs offer a stream of income payments that begin at a certain age, often […]
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