Bond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523
Description
Jim and Chris answer questions on defined maturity bond ETFs, Social Security account linking and spousal offsets, 401k annuities vs IRA Annuities, and annuitization definitions.
(14:30 ) Jacob joins the guys to explain how estimated net acquisition yield works for defined maturity bond ETFs, including how to interpret it and evaluate risk when holding through maturity.
(38:30 ) A listener asks about sending a marriage certificate to Social Security for account linking and whether there’s any confirmation of linking on SSA.gov.
(44:15 ) George wonders whether his wife will automatically receive a spousal benefit increase once he claims Social Security at age 70, and how to confirm PIA and eligibility.
(52:30 ) Jim and Chris address a suggestion that annuities held inside 401k plans may be less tax efficient than IRA annuities because of RMD aggregation rules.
(1:06:45 ) A listener asks why so few annuities are annuitized and whether turning on income from a DIA or SPIA counts as annuitization.
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