One of the most common questions we hear is: Do I need an annuity? And if so, how much of my money should go into one? Today, let’s walk through how to think about that. The reality is simple: everyone’s situation is different. Some people may want nothing in an annuity. Others may choose 10% , and some may allocate as much as 50% . It all depends on your foundational income needs and your comfort level with risk.
What if you could potentially increase your retirement income by 23% — without taking on more market risk? That's not wishful thinking. According to the 2025 Goldman Sachs Asset Management Retirement Survey & Insights Report, blending annuities into a retirement plan could significantly increase the income you can safely spend each year.¹ And in today's uncertain economy — with inflation, market volatility, and rising living costs — that's an opportunity worth understanding. I'm Eric Judy, a Retirement Income Certified Professional, Investment Advisor Representative, and co-founder of the Annuity Guys. Today, I want to walk you through what Goldman Sachs calls the hybrid income strategy — how combining traditional investments with guaranteed income from annuities could give retirees greater confidence and stability in their retirement years. My goal is simple: to help you make smarter, more informed decisions about your retirement income. No hype. No pressure.
“Eight Percent Annual Annuity Returns”… or even better! Before You Lock In Rates… Discover Up To 15% Income For Life or how about up-to 33% More Income for Life! Where did we find these amazing offers? Believe it or not, right in the Ad section at the top and bottom of the page when we searched Google for the word “annuity”. Surely these offers must really exist or they wouldn’t put them on Google. In fact, I know these offers do exist — unfortunately, just not the expected results for the people this advertising targets. These offers are the classic bait and switch or maybe I would call them bait and twist. How so? Let me translate it from marketing speak into English – “eight percent annual return” translates into a captive income formula (not an actual return on your money!) that never allows you to walk away with that so called eight percent return. Want the 15%? You’ll have to wait to start your income at about age 90 to get that one, and the 33% more income for life pitch [continued below video…]