{"id":674470,"date":"2026-07-05T04:04:35","date_gmt":"2026-07-05T04:04:35","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/674470\/"},"modified":"2026-07-05T04:04:35","modified_gmt":"2026-07-05T04:04:35","slug":"i-have-1-9mn-should-i-buy-an-annuity","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/674470\/","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":674471,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,1089,104705,4174,4175,90014,8661,56,54,55],"class_list":["post-674470","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-financial-planning","tag-pensions-retirement","tag-personal-finance","tag-personalfinance","tag-portfolio-clinic","tag-standard-article","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/674470","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=674470"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/674470\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/674471"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=674470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=674470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=674470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}