Finding the Right Annuity Starts With Knowing Your Real Rate of Return

What if a portfolio that averaged almost 7.5% for over two decades still ran completely out of money by age 90? It's not a hypothetical — it's a real historical outcome, and in this episode, Marty Becker breaks down exactly why it happened. Most advisors love to talk about "average returns," but almost none of them explain the difference between an average return and your actual return — and that gap could be the single biggest threat to your retirement plan. In this episode, Marty covers: Why a 25% "average return" can still leave you with $0 more than you started with The real math behind a 60/40 portfolio from 2000–2025 that looked great on paper but ran dry by age 90 How to calculate the actual rate of return your money would need to match a guaranteed income annuity A real-world example of a $538,000 allocation producing $40,000 a year in guaranteed lifetime income How to protect against inflation without giving up your entire portfolio Why guaranteed income can actually let you invest more aggressively with the rest of your money — in both worst-case and best-case market scenarios If you've ever wondered whether your statement is telling you the whole truth about your money, this episode will change the way you look at every number on it. Want to know your actual return — not just your average? Book a free Income Clarity call with Marty at atlasannuity.com.