Retirement Should Last As Long As You Do
Retire With Confidence. Never Outlive Your Income.
Learn how to secure your retirement with guaranteed income for life.
Turn your savings into guaranteed income for life.
Standard financial advice says you can safely withdraw 4% of your portfolio each year in retirement and have a high probability of never running out. See how an annuity compares to that approach.
Strategy A
The 4% Rule
$500k in the stock market at age 55, with 5 years of 10% growth before retiring at 60.
Portfolio at 60
Safe withdrawal (4%)
Guarantee
Annual income at age 60
$32,000
Market dependent
~$800,000
$32,000/yr
None
Strategy B
Annuity Income Rider
$500k in an income annuity at age 55, with a 5-year deferral period before retiring at 60
Deferral period
Income Start Age
Guarantee
Annual income at age 60
$45,000-$50,000
Guaranteed. Every year. For life.
5 years
For Life
60
Hypothetical example for illustrative purposes.
See what this looks like with your own numbers
Use the free Retirement Calculator to run your income, expenses, and account balances through the same kind of comparison
The Risk Most Retirement Plans Overlook
For people within 5–10 years of retirement, a major downturn at the wrong time can permanently damage your income — even if markets eventually recover. This is called sequence-of-returns risk, and it's one of the most overlooked threats to retirement security.
Here is how three different approaches to the same $1,000,000 retirement portfolio played out over 26 years of actual market history during a bad sequence of returns, each withdrawing $50,000/year in retirement adjusted for inflation.
Guaranteed Income. Portfolio protected.
100% S&P 500
Strategy A
$1M fully invested in equities. No income protection
$0 balance 2017
Strategy B
60/40 Balanced
$600k stocks + $400k bonds, annually rebalanced.
$0 balance 2024
Strategy C
$500k immediate annuity ($37.5k/year guaranteed income) + $500k S&P.
Income Floor
Income For Life + $260k portfolio remaining
1
Guaranteed income protects your portfolio.
When markets crash, your annuity covers your bills while your investments recover.
2
Your return rate isn't everything.
Strategy A had the highest average annual return — and ran out first.
3
Starting earlier pays off.
Instead of taking income immediately, locking in an annuity early means a higher guaranteed payout for life.
4
The one guarantee no market can take away.
Your annuity income keeps arriving every month — for as long as you live.
For illustrative purposes only.
Why I Started SteadyPay
After 26 years working for a financial services company, I made my own leap into early retirement at 50 — and used annuities to secure my retirement income floor. I started SteadyPay to help others achieve that same peace of mind.
How I Can Help
Create Your Income Floor
Establish a guaranteed base of income you can never outlive, no matter what the market does
Grow and Protect Your Savings
Earn competitive interest rates with full principal protection — zero market risk, zero stress