Research shows annuities provide better retirement income than the traditional 4% withdrawal rule.
Retirees with $250,000+ benefit most from combining annuities with systematic withdrawals from liquid assets.
Those with less than $250,000 should annuitize larger portions for guaranteed, stable lifetime income.
The 4% rule fails to address longevity risks and struggles at advanced retirement ages.
Partial annuitization with Social Security offers optimal income, reducing market volatility and financial uncertainty.