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A Guide to Blending Retirement Income


Do you want an actionable strategy for planning your clients' retirement income? Our Guide to Blending Retirement Income reveals how blending the stability of a life annuity with the growth potential of a living annuity can give clients the best of both worlds.

This paper demystifies the art of blending annuities. It offers practical frameworks, easy-to-use tools and myth-busting insights to help your clients achieve lasting income security without sacrificing flexibility or growth. As a financial adviser to clients who are either approaching retirement or are already retired, this paper will help you navigate behavioural biases, understand optimal blend percentages, and make confident decisions for a better later life.

We want to reinforce the core message behind blending annuities for retirement income and tie together the benefits, the practical application and the challenges.

- Bjorn Ladewig, Head of Distribution & Marketing


This paper provides an overview of blended living annuities as a holistic retirement income solution. It explains what blending is – combining guaranteed income from a life annuity with the growth potential of a living annuity – and uses Income Sustainability Maps to illustrate when blending is most appropriate for an individual, based on age and withdrawal rate.

To download a copy of our Guide to Blending Retirement Income please provide us with a few details:

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Please contact us if you'd like to discuss this in more detail with one of our consultants or if you'd like to request a quote.

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