WebApr 14, 2024 · Retirement savings: The total amount of money you have saved for retirement. Desired annual income: The money you need annually to maintain your desired lifestyle. Life expectancy: The number of years you expect to live in retirement. Investment returns: The average annual return on your retirement investments. WebAug 31, 2024 · Owners of certain types of annuities can end up paying high fees. For instance, a variable annuity might charge fees between 2% to 3%, per Nationwide, which can shrink the value of your account ...

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