There’s no one-size-fits-all answer, but many people consider annuities in their 50s and 60s when they’re shifting from growth to preservation and income planning. The right timing depends on your goals:
- If you want guaranteed income later, buying earlier can lock in stronger benefits.
- If you want income to start soon, you may choose an immediate annuity closer to retirement.
A personalized review helps determine the best fit based on your age, savings, and retirement timeline.
