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A single premium immediate annuity (SPIA) is one of the simplest annuities you can get. You’ll make one payment to purchase the annuity from an insurance company, and then the insurer will start paying you an income from those funds right away. An SPIA can be a useful tool to help you manage a large sum of money, such as a retirement nest egg, an inheritance you receive, or even lottery winnings. You can use those funds to ensure that you have an income stream for multiple years or for the rest of your life. Key takeaways With a single premium immediate annuity (SPIA), you’ll purchase an annuity with one large payment, and then the annuity will start paying you an income right away. An SPIA is simple to set up, but if your needs change, it can be difficult to alter your annuity’s pay schedule or withdraw funds early. You should consider an SPIA if you have a large sum of money that you want to convert into a steady income. A single premium immediate annuity (SPIA) is a contract between you and the insurance company that guarantees a stream of income in return for a lump-sum payment. You’ll purchase your annuity contract with a single premium payment and in exchange, the annuity will pay an income to you for a set amount of time. Learn more about other types of annuities How do SPIAs work?There are unique features to consider before setting up an SPIA. You’ll make one payment to fund the annuity, and then start receiving an income from that payment within 12 months. You can arrange for your annuity to pay you an income for a set number of years, a specific amount, or to last the rest of your life. PremiumsPremiums are the payments you make to the insurance company to fund your contract. In the case of an SPIA, you’ll fund it with one large payment. You can use pre-tax dollars — such as from a 401(k) — or taxed dollars, like your savings.What is the impact of interest rate changes on your annuity?Annuitization or payout phaseThe annuitization period or payout phase is when your annuity starts paying you an income. With an SPIA, annuitization starts right away, so you’ll start receiving income payments within a year of purchasing your contract.Your payout phase can last for a set number of years or the rest of your life, depending on the terms on your contract.Learn more about immediate annuitiesFees & penaltiesWith an SPIA, if you need to withdraw money ahead of your pay schedule, you’ll likely pay a 10% fee on any funds you withdraw early. [1] If you set up an SPIA, it’s important to remember that you’ll sacrifice liquidity in exchange for the income stream. If you think you might need to access some of the funds you’ve contributed to your contact in an emergency, some SPIAs allow you to exercise what is called a commutation right — you receive a lump-sum payment

The 60/40 portfolio has always been considered a safe, conservative strategy for retirees seeking stability, not big returns. But that strategy sank like a stone in 2022—investors who allocated 60% of their savings to stocks and 40% to bonds lost 16% of their savings, on average, last year.Lesson: Even a diversified investment portfolio cannot on its own deliver the low-stress, low-drama financial life that many people seek in and near retirement. If that’s what you’re after, consider these three risk-reducing, guaranteed income-generating strategies. Retirees can use all or any portion of these strategies.Strategy: Consider a Single-­Premium Immediate Annuity (SPIA). A SPIA converts a lump sum of cash into a “retirement paycheck.” Guaranteed payments begin virtually as soon as the SPIA is purchased and continue for a predetermined number of years…for the remainder of the buyer’s life…or for the remainder of the buyer’s life and his/her spouse’s life, depending on the terms selected. SPIAs stand out from other annuities and insurance products for their predictability and simplicity—there’s no risk that the issuing company will increase future premiums, because there are no premiums…their payouts don’t vary depending on some unpredictable underlying factor such as stock market returns…and there’s no need to trust an insurance salesperson’s complex projections about how much the annuity will pay. Ways to use a SPIA…Option #1: Consider using a portion of your retirement savings to purchase a SPIA that pays out each month for the rest of your and/or your spouse’s life.Option #2: Consider a SPIA that provides