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Since interest payments for bonds are more conservative and remain unchanged until maturity, inflation could outpace your returns. ",[1021],{"type":129,"attrs":1022},{"color":773},{"type":778,"content":1024},[1025],{"type":18,"attrs":1026,"content":1027},{"textAlign":34},[1028,1034],{"text":1029,"type":22,"marks":1030},"Possible liquidity issues:",[1031,1033],{"type":129,"attrs":1032},{"color":773},{"type":38},{"text":1035,"type":22,"marks":1036}," Though many bonds are easily traded, some are more difficult to sell than others, especially if your bond is close to the maturity date or has declined in value. ",[1037],{"type":129,"attrs":1038},{"color":773},{"type":764,"attrs":1040,"content":1041},{"level":766,"textAlign":34},[1042],{"text":1043,"type":22,"marks":1044},"What are annuities?",[1045],{"type":129,"attrs":1046},{"color":773},{"type":18,"attrs":1048,"content":1049},{"textAlign":34},[1050,1059],{"text":1051,"type":22,"marks":1052},"Annuities",[1053,1056,1058],{"type":31,"attrs":1054},{"href":1055,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/retirement/what-is-an-annuity",{"type":129,"attrs":1057},{"color":826},{"type":828},{"text":1060,"type":22,"marks":1061}," are a contract between you and an insurance company offering guaranteed income in retirement. You can make either a lump-sum payment or a series of payments to receive disbursements under the contract. ",[1062],{"type":129,"attrs":1063},{"color":773},{"type":18,"attrs":1065,"content":1066},{"textAlign":34},[1067],{"text":1068,"type":22,"marks":1069},"There are different ways annuities can be set up, and the payout depends on your age, sex, whether you want income for life or for a set period of time, and whether you include a spouse on the policy. Annuities have some advantages and disadvantages to consider. ",[1070],{"type":129,"attrs":1071},{"color":773},{"type":764,"attrs":1073,"content":1074},{"level":877,"textAlign":34},[1075],{"text":1076,"type":22,"marks":1077},"Advantages",[1078],{"type":129,"attrs":1079},{"color":884},{"type":775,"content":1081},[1082,1098,1114,1130,1146],{"type":778,"content":1083},[1084],{"type":18,"attrs":1085,"content":1086},{"textAlign":34},[1087,1093],{"text":1088,"type":22,"marks":1089},"Low risk: ",[1090,1092],{"type":129,"attrs":1091},{"color":773},{"type":38},{"text":1094,"type":22,"marks":1095},"Annuities are contracts with an insurance company and don’t experience market risk as stocks do. ",[1096],{"type":129,"attrs":1097},{"color":773},{"type":778,"content":1099},[1100],{"type":18,"attrs":1101,"content":1102},{"textAlign":34},[1103,1109],{"text":1104,"type":22,"marks":1105},"Guaranteed income: ",[1106,1108],{"type":129,"attrs":1107},{"color":773},{"type":38},{"text":1110,"type":22,"marks":1111},"Annuities are designed to provide you with guaranteed income in retirement and peace of mind. ",[1112],{"type":129,"attrs":1113},{"color":773},{"type":778,"content":1115},[1116],{"type":18,"attrs":1117,"content":1118},{"textAlign":34},[1119,1125],{"text":1120,"type":22,"marks":1121},"Guaranteed rate: ",[1122,1124],{"type":129,"attrs":1123},{"color":773},{"type":38},{"text":1126,"type":22,"marks":1127},"You’ll earn a set rate on a fixed annuity that won’t change. ",[1128],{"type":129,"attrs":1129},{"color":773},{"type":778,"content":1131},[1132],{"type":18,"attrs":1133,"content":1134},{"textAlign":34},[1135,1141],{"text":1136,"type":22,"marks":1137},"Tax-deferred growth: ",[1138,1140],{"type":129,"attrs":1139},{"color":773},{"type":38},{"text":1142,"type":22,"marks":1143},"Annuities offer tax-deferred growth. You won’t pay until you receive income in retirement. ",[1144],{"type":129,"attrs":1145},{"color":773},{"type":778,"content":1147},[1148],{"type":18,"attrs":1149,"content":1150},{"textAlign":34},[1151,1157],{"text":1152,"type":22,"marks":1153},"Spouse can be included on an annuity: ",[1154,1156],{"type":129,"attrs":1155},{"color":773},{"type":38},{"text":1158,"type":22,"marks":1159},"You can customize an annuity in many ways, including adding a spouse to the policy who would receive benefits upon your death.  ",[1160],{"type":129,"attrs":1161},{"color":773},{"type":764,"attrs":1163,"content":1164},{"level":877,"textAlign":34},[1165],{"text":1166,"type":22,"marks":1167},"Disadvantages",[1168],{"type":129,"attrs":1169},{"color":884},{"type":775,"content":1171},[1172,1188,1204,1220],{"type":778,"content":1173},[1174],{"type":18,"attrs":1175,"content":1176},{"textAlign":34},[1177,1183],{"text":1178,"type":22,"marks":1179},"Complex: ",[1180,1182],{"type":129,"attrs":1181},{"color":773},{"type":38},{"text":1184,"type":22,"marks":1185},"Annuities are difficult to understand. There’s a lot of fine print, and it’s hard to set up a product like an annuity without knowing how long you’ll live.  ",[1186],{"type":129,"attrs":1187},{"color":773},{"type":778,"content":1189},[1190],{"type":18,"attrs":1191,"content":1192},{"textAlign":34},[1193,1199],{"text":1194,"type":22,"marks":1195},"High fees: ",[1196,1198],{"type":129,"attrs":1197},{"color":773},{"type":38},{"text":1200,"type":22,"marks":1201},"It may be difficult to see exactly how much you’ll pay for an annuity, since many costs are folded into the contract. ",[1202],{"type":129,"attrs":1203},{"color":773},{"type":778,"content":1205},[1206],{"type":18,"attrs":1207,"content":1208},{"textAlign":34},[1209,1215],{"text":1210,"type":22,"marks":1211},"Highly illiquid: ",[1212,1214],{"type":129,"attrs":1213},{"color":773},{"type":38},{"text":1216,"type":22,"marks":1217},"Once you give your money to an insurance provider for an annuity, it’s difficult to get back out, and there are steep penalties for doing so. ",[1218],{"type":129,"attrs":1219},{"color":773},{"type":778,"content":1221},[1222],{"type":18,"attrs":1223,"content":1224},{"textAlign":34},[1225,1231],{"text":1226,"type":22,"marks":1227},"Lower returns: ",[1228,1230],{"type":129,"attrs":1229},{"color":773},{"type":38},{"text":1232,"type":22,"marks":1233},"Annuities aren’t known for growing your money. The strength lies in their security, with the tradeoff being higher returns.  ",[1234],{"type":129,"attrs":1235},{"color":773},{"type":764,"attrs":1237,"content":1238},{"level":766,"textAlign":34},[1239],{"text":1240,"type":22,"marks":1241},"What are the similarities between bonds and annuities?",[1242],{"type":129,"attrs":1243},{"color":773},{"type":18,"attrs":1245,"content":1246},{"textAlign":34},[1247],{"text":1248,"type":22,"marks":1249},"Bonds and annuities share some common traits, as outlined in the chart below. ",[1250],{"type":129,"attrs":1251},{"color":773},"article-rich-text",{"_uid":1254,"caption":12,"content":1255,"component":1273,"show_search":543,"paste_content":1274,"number_of_rows":1306,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"328f9c9f-963b-49f0-967b-4035b72d0691",{"tbody":1256,"thead":1266,"fieldtype":1272},[1257],{"_uid":1258,"body":1259,"component":1265},"6abb7575-0007-4943-b7c7-3ab1ce2cabb9",[1260,1263],{"_uid":1261,"value":12,"component":1262},"e3c755ac-6f1f-441d-9616-fd9d124b6f80","_table_col",{"_uid":1264,"value":12,"component":1262},"6ab457ea-77e5-4bcb-97d0-0f156f445201","_table_row",[1267,1270],{"_uid":1268,"value":12,"component":1269},"9594d69d-3503-4e09-8d24-9a0f143073f8","_table_head",{"_uid":1271,"value":12,"component":1269},"57b8b1f6-9b9e-4b97-a8cd-777af3628673","table","article-table",{"type":15,"content":1275},[1276,1281,1286,1291,1296,1301],{"type":18,"attrs":1277,"content":1278},{"textAlign":34},[1279],{"text":1280,"type":22}," \tBonds\tAnnuities",{"type":18,"attrs":1282,"content":1283},{"textAlign":34},[1284],{"text":1285,"type":22},"Returns\tModest\tVaries",{"type":18,"attrs":1287,"content":1288},{"textAlign":34},[1289],{"text":1290,"type":22},"Capital preservation\tYes\tYes",{"type":18,"attrs":1292,"content":1293},{"textAlign":34},[1294],{"text":1295,"type":22},"Risk\tLow\tLow",{"type":18,"attrs":1297,"content":1298},{"textAlign":34},[1299],{"text":1300,"type":22},"Time horizon\tLong-term, but can be sold on the secondary market.\tLong-term.",{"type":18,"attrs":1302,"content":1303},{"textAlign":34},[1304],{"text":1305,"type":22},"Income\tIncome is paid at the coupon rate (interest payment), often semi- annually.\tIncome is paid at a set rate, which is determined by your contract, initial investment amount, age, and interest rate.","10",{"_uid":1308,"data":1309,"component":1252},"45708d36-2b37-4e5a-8d7e-e4b8b9e885db",{"type":15,"content":1310},[1311,1319,1327,1335,1343,1351,1359,1367,1375,1383,1391,1399,1421,1429],{"type":764,"attrs":1312,"content":1313},{"level":877,"textAlign":34},[1314],{"text":1315,"type":22,"marks":1316},"Returns",[1317],{"type":129,"attrs":1318},{"color":884},{"type":18,"attrs":1320,"content":1321},{"textAlign":34},[1322],{"text":1323,"type":22,"marks":1324},"Both bonds and annuities offer modest returns at a set rate for the duration of ownership. However, they’re structured differently. Bonds pay interest at the market rate until maturity (or until sold). Annuities offer a contract rate determined by factors such as your age, sex, and whether you receive income for life or for a set period of time. ",[1325],{"type":129,"attrs":1326},{"color":773},{"type":764,"attrs":1328,"content":1329},{"level":877,"textAlign":34},[1330],{"text":1331,"type":22,"marks":1332},"Capital preservation",[1333],{"type":129,"attrs":1334},{"color":884},{"type":18,"attrs":1336,"content":1337},{"textAlign":34},[1338],{"text":1339,"type":22,"marks":1340},"Both bonds and annuities are ways of preserving capital. You can receive your entire invested amount back when a bond matures. ",[1341],{"type":129,"attrs":1342},{"color":773},{"type":18,"attrs":1344,"content":1345},{"textAlign":34},[1346],{"text":1347,"type":22,"marks":1348},"Annuities are a slightly different way to ensure you don’t outlive your savings. With an annuity, ",[1349],{"type":129,"attrs":1350},{"color":773},{"type":764,"attrs":1352,"content":1353},{"level":877,"textAlign":34},[1354],{"text":1355,"type":22,"marks":1356},"Risk",[1357],{"type":129,"attrs":1358},{"color":884},{"type":18,"attrs":1360,"content":1361},{"textAlign":34},[1362],{"text":1363,"type":22,"marks":1364},"Both annuities and bonds are considered low-risk investments. Large governments and corporations back bonds, while large insurance companies back annuities. ",[1365],{"type":129,"attrs":1366},{"color":773},{"type":764,"attrs":1368,"content":1369},{"level":877,"textAlign":34},[1370],{"text":1371,"type":22,"marks":1372},"Time horizon",[1373],{"type":129,"attrs":1374},{"color":884},{"type":18,"attrs":1376,"content":1377},{"textAlign":34},[1378],{"text":1379,"type":22,"marks":1380},"Annuities and bonds both have a longer time horizon. Once you invest in an annuity, you can’t easily get out of it and will likely hold onto it until your death. ",[1381],{"type":129,"attrs":1382},{"color":773},{"type":18,"attrs":1384,"content":1385},{"textAlign":34},[1386],{"text":1387,"type":22,"marks":1388},"Bonds can have a long horizon; however, you can also sell bonds on the secondary market, making them much more liquid than an annuity. ",[1389],{"type":129,"attrs":1390},{"color":773},{"type":764,"attrs":1392,"content":1393},{"level":877,"textAlign":34},[1394],{"text":1395,"type":22,"marks":1396},"Income",[1397],{"type":129,"attrs":1398},{"color":884},{"type":18,"attrs":1400,"content":1401},{"textAlign":34},[1402,1407,1416],{"text":1403,"type":22,"marks":1404},"Both bonds and annuities provide ",[1405],{"type":129,"attrs":1406},{"color":773},{"text":1408,"type":22,"marks":1409},"income",[1410,1413,1415],{"type":31,"attrs":1411},{"href":1412,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-fixed-income-investing",{"type":129,"attrs":1414},{"color":826},{"type":828},{"text":1417,"type":22,"marks":1418},". The income from a bond is the coupon rate, while the income from an annuity is the amount guaranteed in your contract. ",[1419],{"type":129,"attrs":1420},{"color":773},{"type":764,"attrs":1422,"content":1423},{"level":766,"textAlign":34},[1424],{"text":1425,"type":22,"marks":1426},"What are the differences between bonds and annuities?",[1427],{"type":129,"attrs":1428},{"color":773},{"type":18,"attrs":1430,"content":1431},{"textAlign":34},[1432],{"text":1433,"type":22,"marks":1434},"The differences between bonds and annuities distinguish them from one another and can help you decide which to invest in. ",[1435],{"type":129,"attrs":1436},{"color":773},{"_uid":1438,"caption":12,"content":1439,"component":1273,"show_search":543,"paste_content":1453,"number_of_rows":1306,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"14310e79-ddfa-4e4f-8ade-78b5746305e6",{"tbody":1440,"thead":1448,"fieldtype":1272},[1441],{"_uid":1442,"body":1443,"component":1265},"b7fe1c90-fff7-42a5-8122-129385dd44dd",[1444,1446],{"_uid":1445,"value":12,"component":1262},"1afbfc5f-6492-453f-ac9e-21cb0b1e0463",{"_uid":1447,"value":12,"component":1262},"752d7093-bdae-4b42-a531-91bb6ebb5693",[1449,1451],{"_uid":1450,"value":12,"component":1269},"4c9b1dbf-253f-4e94-a15c-7d3b818cb59c",{"_uid":1452,"value":12,"component":1269},"4cf3bdd5-4767-4283-9de0-356e6a676ce9",{"type":15,"content":1454},[1455,1459,1464,1469,1474,1479],{"type":18,"attrs":1456,"content":1457},{"textAlign":34},[1458],{"text":1280,"type":22},{"type":18,"attrs":1460,"content":1461},{"textAlign":34},[1462],{"text":1463,"type":22},"Source\tGovernments and certain corporations.\tInsurance companies.",{"type":18,"attrs":1465,"content":1466},{"textAlign":34},[1467],{"text":1468,"type":22},"Types\tTreasury, corporate, municipal, mortgage-backed securities, etc.\tFixed, variable, indexed, hybrid, etc.",{"type":18,"attrs":1470,"content":1471},{"textAlign":34},[1472],{"text":1473,"type":22},"Fees\tLower (and sometimes no) fees.\tHigh and typically incorporated into the annuity's total cost.",{"type":18,"attrs":1475,"content":1476},{"textAlign":34},[1477],{"text":1478,"type":22},"Tax treatment\tInterest payments are taxed as regular income.\tAnnuities are treated as retirement vehicles and are penalized if taken out early. In retirement, taxes on annuities usually depend on whether you already paid taxes on the amount contributed.",{"type":18,"attrs":1480,"content":1481},{"textAlign":34},[1482],{"text":1483,"type":22},"Complexity\tEasier to understand than annuities.\tComplicated insurance products with extensive fine print.",{"_uid":1485,"data":1486,"component":1252},"b4d4db43-86e2-415e-abf5-4ea08978d4e6",{"type":15,"content":1487},[1488,1496,1504,1512,1526,1534,1542,1550,1558,1566,1588,1596,1604,1612,1620,1641,1649,1690,1698,1750,1758,1766],{"type":764,"attrs":1489,"content":1490},{"level":877,"textAlign":34},[1491],{"text":1492,"type":22,"marks":1493},"Source",[1494],{"type":129,"attrs":1495},{"color":884},{"type":18,"attrs":1497,"content":1498},{"textAlign":34},[1499],{"text":1500,"type":22,"marks":1501},"Bonds generally originate from government and corporate sources (though brokerages sell them). Insurance companies typically sell annuities. ",[1502],{"type":129,"attrs":1503},{"color":773},{"type":764,"attrs":1505,"content":1506},{"level":877,"textAlign":34},[1507],{"text":1508,"type":22,"marks":1509},"Type",[1510],{"type":129,"attrs":1511},{"color":884},{"type":18,"attrs":1513,"content":1514},{"textAlign":34},[1515,1520],{"text":1516,"type":22,"marks":1517},"The different types of bonds you can invest in are defined by who the issuer of the bond is (federal, municipal, and corporate, for example). These can include ",[1518],{"type":129,"attrs":1519},{"color":773},{"text":1521,"type":22,"marks":1522},"U.S. Treasuries, municipal bonds, corporate bonds, mortgage-backed securities, emerging-market bonds, agency bonds, and more. ",[1523],{"type":129,"attrs":1524},{"color":1525},"#141A1F",{"type":18,"attrs":1527,"content":1528},{"textAlign":34},[1529],{"text":1530,"type":22,"marks":1531},"When it comes to annuities, the different types are defined by how they’re set up. The three main types include fixed, variable, and indexed. ",[1532],{"type":129,"attrs":1533},{"color":1525},{"type":764,"attrs":1535,"content":1536},{"level":877,"textAlign":34},[1537],{"text":1538,"type":22,"marks":1539},"Fees",[1540],{"type":129,"attrs":1541},{"color":884},{"type":18,"attrs":1543,"content":1544},{"textAlign":34},[1545],{"text":1546,"type":22,"marks":1547},"What you’ll pay for a bond vs. an annuity is far different. Annuities are a contract, and the fees are generally baked into the total cost. Annuities do have high administrative costs and pay high commissions to the agent who sold the annuity. Bonds, on the other hand, have low costs.",[1548],{"type":129,"attrs":1549},{"color":773},{"type":764,"attrs":1551,"content":1552},{"level":877,"textAlign":34},[1553],{"text":1554,"type":22,"marks":1555},"Tax treatment",[1556],{"type":129,"attrs":1557},{"color":884},{"type":18,"attrs":1559,"content":1560},{"textAlign":34},[1561],{"text":1562,"type":22,"marks":1563},"Income from bonds is taxed as ordinary income, and if you sold the bond for more than you paid for it, you’ll also pay capital gains. ",[1564],{"type":129,"attrs":1565},{"color":773},{"type":18,"attrs":1567,"content":1568},{"textAlign":34},[1569,1574,1583],{"text":1570,"type":22,"marks":1571},"Annuities are more complex when it comes to ",[1572],{"type":129,"attrs":1573},{"color":773},{"text":1575,"type":22,"marks":1576},"taxes",[1577,1580,1582],{"type":31,"attrs":1578},{"href":1579,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/best-tax-free-investments",{"type":129,"attrs":1581},{"color":826},{"type":828},{"text":1584,"type":22,"marks":1585},", and depend on your age and whether you contributed pre- or after-tax dollars to the annuity. ",[1586],{"type":129,"attrs":1587},{"color":773},{"type":764,"attrs":1589,"content":1590},{"level":877,"textAlign":34},[1591],{"text":1592,"type":22,"marks":1593},"Complexity",[1594],{"type":129,"attrs":1595},{"color":884},{"type":18,"attrs":1597,"content":1598},{"textAlign":34},[1599],{"text":1600,"type":22,"marks":1601},"Annuities are a more complex investment to understand than bonds, in part because of the large amount of fine print you’ll have to read and sign. They’re also harder to get out of. The penalty for withdrawing money early from an annuity (also called the surrender charge) can be as high as 7%, plus a 10% tax penalty. ",[1602],{"type":129,"attrs":1603},{"color":773},{"type":18,"attrs":1605,"content":1606},{"textAlign":34},[1607],{"text":1608,"type":22,"marks":1609},"Bonds can be understood as a loan between you and the bond issuer. You loan a sum of money, and the issuer agrees to pay you a set interest rate while you own the bond. ",[1610],{"type":129,"attrs":1611},{"color":773},{"type":764,"attrs":1613,"content":1614},{"level":766,"textAlign":34},[1615],{"text":1616,"type":22,"marks":1617},"Bonds vs. annuities: Which is better for retirement?",[1618],{"type":129,"attrs":1619},{"color":773},{"type":18,"attrs":1621,"content":1622},{"textAlign":34},[1623,1628,1636],{"text":1624,"type":22,"marks":1625},"Bonds and annuities can both be used in ",[1626],{"type":129,"attrs":1627},{"color":773},{"text":1629,"type":22,"marks":1630},"retirement",[1631,1633,1635],{"type":31,"attrs":1632},{"href":908,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1634},{"color":826},{"type":828},{"text":1637,"type":22,"marks":1638},", but certain characteristics may lead you to choose one over the other. Much will depend on your individual situation and strategy for producing income. ",[1639],{"type":129,"attrs":1640},{"color":773},{"type":18,"attrs":1642,"content":1643},{"textAlign":34},[1644],{"text":1645,"type":22,"marks":1646},"Bonds may be beneficial if you’re looking for:",[1647],{"type":129,"attrs":1648},{"color":773},{"type":775,"content":1650},[1651,1661,1670,1680],{"type":778,"content":1652},[1653],{"type":18,"attrs":1654,"content":1655},{"textAlign":34},[1656],{"text":1657,"type":22,"marks":1658},"Modest income",[1659],{"type":129,"attrs":1660},{"color":773},{"type":778,"content":1662},[1663],{"type":18,"attrs":1664,"content":1665},{"textAlign":34},[1666],{"text":1331,"type":22,"marks":1667},[1668],{"type":129,"attrs":1669},{"color":773},{"type":778,"content":1671},[1672],{"type":18,"attrs":1673,"content":1674},{"textAlign":34},[1675],{"text":1676,"type":22,"marks":1677},"Highly liquid investment",[1678],{"type":129,"attrs":1679},{"color":773},{"type":778,"content":1681},[1682],{"type":18,"attrs":1683,"content":1684},{"textAlign":34},[1685],{"text":1686,"type":22,"marks":1687},"Lower fees",[1688],{"type":129,"attrs":1689},{"color":773},{"type":18,"attrs":1691,"content":1692},{"textAlign":34},[1693],{"text":1694,"type":22,"marks":1695},"Annuities might be for investors who:",[1696],{"type":129,"attrs":1697},{"color":773},{"type":775,"content":1699},[1700,1710,1720,1730,1740],{"type":778,"content":1701},[1702],{"type":18,"attrs":1703,"content":1704},{"textAlign":34},[1705],{"text":1706,"type":22,"marks":1707},"Are looking for the security of a guaranteed income.",[1708],{"type":129,"attrs":1709},{"color":773},{"type":778,"content":1711},[1712],{"type":18,"attrs":1713,"content":1714},{"textAlign":34},[1715],{"text":1716,"type":22,"marks":1717},"Have a large amount to invest. ",[1718],{"type":129,"attrs":1719},{"color":773},{"type":778,"content":1721},[1722],{"type":18,"attrs":1723,"content":1724},{"textAlign":34},[1725],{"text":1726,"type":22,"marks":1727},"Are further away from retirement.",[1728],{"type":129,"attrs":1729},{"color":773},{"type":778,"content":1731},[1732],{"type":18,"attrs":1733,"content":1734},{"textAlign":34},[1735],{"text":1736,"type":22,"marks":1737},"Want a low-risk investment. ",[1738],{"type":129,"attrs":1739},{"color":773},{"type":778,"content":1741},[1742],{"type":18,"attrs":1743,"content":1744},{"textAlign":34},[1745],{"text":1746,"type":22,"marks":1747},"Expect to live longer. ",[1748],{"type":129,"attrs":1749},{"color":773},{"type":764,"attrs":1751,"content":1752},{"level":766,"textAlign":34},[1753],{"text":1754,"type":22,"marks":1755},"Bottom line",[1756],{"type":129,"attrs":1757},{"color":773},{"type":18,"attrs":1759,"content":1760},{"textAlign":34},[1761],{"text":1762,"type":22,"marks":1763},"Investing decisions can be tough, especially if you’re considering tying your money up for years with an annuity or with bonds. Seeking expert financial advice is one of the best ways to ensure you’re investing in the best way for your needs. ",[1764],{"type":129,"attrs":1765},{"color":773},{"type":18,"attrs":1767,"content":1768},{"textAlign":34},[1769,1777],{"text":819,"type":22,"marks":1770},[1771,1774,1776],{"type":31,"attrs":1772},{"href":1773,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas?mf-type=regular&flow=affiliate-journey",{"type":129,"attrs":1775},{"color":826},{"type":828},{"text":1778,"type":22,"marks":1779}," can match you with a financial advisor so you can get all your toughest questions answered.   ",[1780],{"type":129,"attrs":1781},{"color":773},[1783],{"_uid":1784,"image":1785,"title":1790,"subtitle":1800,"component":1801,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1786,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1787,"copyright":12,"fieldtype":1788,"meta_data":1789,"is_external_url":543},138895010836579,"https://a.storyblok.com/f/185166/6000x4000/a4631b427f/bonds-vs-annuities.jpg","asset",{},{"type":15,"content":1791},[1792],{"type":18,"attrs":1793,"content":1794},{"textAlign":34},[1795],{"text":1796,"type":22,"marks":1797},"Bonds vs. annuities: which fits in your investment portfolio?",[1798],{"type":129,"attrs":1799},{"color":773},"Which fits in your investment portfolio?","app-hero",{"name":1803,"created_at":1804,"published_at":1805,"updated_at":1806,"id":1807,"uuid":1808,"content":1809,"slug":1820,"full_slug":1821,"sort_by_date":34,"position":1822,"tag_list":1823,"is_startpage":543,"parent_id":1824,"meta_data":34,"group_id":1825,"first_published_at":1826,"release_id":34,"lang":730,"path":34,"alternates":1827,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Alene Laney","2025-01-10T11:20:16.824Z","2025-07-31T11:31:28.400Z","2025-07-31T11:31:28.412Z",607140568,"fa11c784-d733-4cc0-a8ec-90a90154b805",{"job":1810,"_uid":1811,"name":1803,"image":1812,"component":1816,"education":1817,"expertise":1818,"description":1819},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1813,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1814,"copyright":12,"fieldtype":1788,"meta_data":1815,"is_external_url":543},19801386,"https://a.storyblok.com/f/185166/1986x1986/48279a1e44/alene-laney.jpg",{},"article-author","University of Utah, BA in English Literature & History ","Laney has more than 10 years of experience in media, including newsprint, public relations, marketing, and SEO content writing. \nHer work has been featured in national publications such as The Wall Street Journal, Fox Business, SoFi, Credible, and others.","Alene Laney is an award-winning journalist for Unbiased, where she breaks down financial topics related to retirement, investing, and banking. \n\nShe specializes in helping readers make the best decisions for their money with long-form content for brands and consumer publications.","alene-laney","authors/alene-laney",-20,[],224651374,"e2751bd8-55e4-46e9-94e4-ccce2929794c","2025-01-10T11:21:18.666Z",[],[1829],{"_uid":1830,"body":1831,"title":1847,"component":1848},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1832,1835,1839,1843],{"_uid":1833,"href":850,"text":1834,"component":542,"openInNewWindow":558},"69b6336a-a6ae-4b8d-86fb-d2af245b817f","How do I invest in bonds",{"_uid":1836,"href":1837,"text":1838,"component":542,"openInNewWindow":558},"b76573ee-5049-4620-8b2c-5493b3e1869d","https://www.unbiased.com/discover/retirement/lump-sum-vs-annuity","Lump sum vs Annuity",{"_uid":1840,"href":1841,"text":1842,"component":542,"openInNewWindow":558},"a0d973af-b98a-41c9-a4c9-49ffc1f7e750","https://www.unbiased.com/discover/retirement/best-annuity-rates-us","Best annuity rates US",{"_uid":1844,"href":1845,"text":1846,"component":542,"openInNewWindow":558},"c3c44584-54bb-4c7a-aa10-d747ea145d75","https://www.unbiased.com/discover/retirement/ordinary-annuity-vs-annuity-due","Ordinary annuity vs Annuity due","Related articles","app-links-list",{"_uid":1850,"title":1851,"plugin":1852,"og_image":12,"og_title":12,"description":1853,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"f277593f-4729-4f02-a3d1-a3a181100553","Bonds vs. Annuities","seo_metatags","Bonds and annuities are both ways to generate modest income amounts, but they’re very different investment types. Here’s what you need to know. ",{"name":1855,"created_at":1856,"published_at":1857,"updated_at":1858,"id":1859,"uuid":1860,"content":1861,"slug":1869,"full_slug":1870,"sort_by_date":34,"position":1871,"tag_list":1872,"is_startpage":543,"parent_id":1824,"meta_data":34,"group_id":1873,"first_published_at":1874,"release_id":34,"lang":730,"path":34,"alternates":1875,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1862,"_uid":1811,"name":1855,"image":1863,"component":1816,"education":1866,"expertise":1867,"description":1868},"Senior Content Writer",{"id":1864,"alt":12,"name":12,"focus":12,"title":12,"filename":1865,"copyright":12,"fieldtype":1788,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],"app-article",[],[],"Bonds and annuities are similar in that they offer income to investors, but they’re very different investments. We’ll take a deep dive into the differences and similarities in this article.",[],"bonds-vs-annuities","discover/investing/bonds-vs-annuities",-1160,[],365491304,"ff7be2a8-f1fb-43f9-94bf-39e07b4f0638","2026-01-28T12:33:04.600Z",[],{"left":727,"top":727,"width":1890,"height":1890,"rotate":727,"vFlip":543,"hFlip":543,"body":1891},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1893,1896,1897],{"title":1894,"exact":558,"href":1895},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1898,"disabled":558},"/discover/investing/bonds-vs-annuities",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1900},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1775291569187]