Laddering Fixed-Rate Annuities Offers Rates That Beat Bank CDs, Plus Flexibility

For reliable income in today’s low-interest rate environment, consider a collection of three- to five-year fixed-rate annuities. Multi-year guaranteed annuities, or MYGAs, are one option that’s popular now.

Four ladders lead up into a cloud in a blue sky.
(Image credit: Getty Images)

With today’s low interest rates, it takes planning to create sufficient retirement income without taking more risk than you need to. The days when you could get good income from a collection of Treasury bonds are long gone.

You can get income from dividend-paying stocks, bank accounts, bonds and bond funds, and several different types of annuities.

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Ken Nuss
CEO / Founder, AnnuityAdvantage

Retirement-income expert Ken Nuss is the founder and CEO of AnnuityAdvantage, a leading online provider of fixed-rate, fixed-indexed and immediate-income annuities. Interest rates from dozens of insurers are constantly updated on its website. He launched the AnnuityAdvantage website in 1999 to help people looking for their best options in principal-protected annuities. More information is available from the Medford, Oregon, based company at or (800) 239-0356.