{"id":78,"date":"2026-08-19T16:00:00","date_gmt":"2026-08-19T16:00:00","guid":{"rendered":"https:\/\/www.drsunilpatel.us\/blog\/?p=78"},"modified":"2026-08-19T16:00:00","modified_gmt":"2026-08-19T16:00:00","slug":"partial-annuitization-vs-the-4-rule","status":"publish","type":"post","link":"https:\/\/www.drsunilpatel.us\/blog\/2026\/08\/partial-annuitization-vs-the-4-rule\/","title":{"rendered":"Partial Annuitization vs the 4% Rule"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/sunil-patel-1\/partial-annuitization-beats-remotion-videos-1aa1\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>New US retirement research tested four income strategies across &gt;10K simulated life paths, factoring taxes, health premiums, distribution rules, and claiming choices.<br \/>\nThe strongest result favored partial annuitization: converting some savings into lifetime income while keeping the rest invested outperformed withdrawal-only and fully annuitized approaches.<br \/>\nFor a 65-yr single woman with $1M, a one-time half annuity purchase ranked first, with gradual annuitization close behind in utility scores.<br \/>\nThe withdrawal-only approach showed the weakest income and rising depletion risk, with assets exhausted before death in nearly 1 in 8 cases by age 90.<br \/>\nBridging to age 70 improved the baseline retiree&#039;s results across all strategies, but some later or legacy-focused retirees benefited more from claiming sooner.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>New US retirement research tested four income strategies across &gt;10K simulated life paths, factoring taxes, health premiums, distribution rules, and claiming choices. The strongest result favored partial annuitization: converting some savings into lifetime income while keeping the rest invested outperformed withdrawal-only and fully annuitized approaches. For a 65-yr single woman with $1M, a one-time half [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":98,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-78","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/78","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/comments?post=78"}],"version-history":[{"count":0,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/78\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media\/98"}],"wp:attachment":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media?parent=78"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/categories?post=78"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/tags?post=78"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}