{"id":532761,"date":"2026-07-04T14:00:32","date_gmt":"2026-07-04T14:00:32","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/532761\/"},"modified":"2026-07-04T14:00:32","modified_gmt":"2026-07-04T14:00:32","slug":"i-have-1-9mn-should-i-buy-an-annuity","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/532761\/","title":{"rendered":"\u2018I have \u00a31.9mn \u2013 should I buy an annuity?\u2019"},"content":{"rendered":"<p>Streamlining your investments as you approach retirement makes sense. Reorienting your portfolio from growth-focused, higher-risk assets to income-producing, defensive holdings is common. As is reducing the number of investments you have in order to make it easier to monitor.<\/p>\n<p>What constitutes simple will vary from person to person, however. For some, it will mean buying an annuity; for others, it might entail a switch to using tracker funds. Working out the best for you will allow you to enjoy your retirement in full.\u00a0<\/p>\n<p>James, 70, and his wife Beth, 64, are mulling over this proposition. He plans to retire from his \u00a3105,000-a-year role in the near future, potentially within a year. So, he would like to prepare his portfolio for this transition.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Streamlining your investments as you approach retirement makes sense. Reorienting your portfolio from growth-focused, higher-risk assets to income-producing,&hellip;\n","protected":false},"author":2,"featured_media":532762,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,176,3149,61,60,141581,174,175,141580,19982],"class_list":["post-532761","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-financial-planning","tag-ie","tag-ireland","tag-pensions-retirement","tag-personal-finance","tag-personalfinance","tag-portfolio-clinic","tag-standard-article"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/532761","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=532761"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/532761\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/532762"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=532761"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=532761"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=532761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}