Running out of money in retirement can be a real concern.   The Informed Investor's Guide
		The Retirement Challenge You spend years saving money for retirement. But that's only half the equation when it comes to your future financial security. How you position your assets in order to take retirement income plays an equally important role — especially when you consider that:
		We're living longer. People ages 100 and older are the fastest-growing segment of the U.S. population, according to the New England Centenarian Study, 2004. This makes it challenging to figure out how much retirement income will be enough. Inflation may slow down, but it doesn't stop. Over the last 20 years, it's averaged 3.17%, according to Ibbotson Associates Inc., a wholly owned subsidiary of Morningstar, Inc., 2002. The future of Social Security and its guarantee of lifetime income is uncertain. Running out of money in retirement can be a very real concern. Fortunately, if you own a variable annuity, you have options. One is called annuitization — a stream of retirement income payouts that includes a fixed income option you cannot outlive.
		Inflation's Impact In the United States   1980 2004 % Increase First-Class Postage Stamp $.15 $.37 146% McDonald's Big Mac $1.05 $2.80 166% Half Gallon of Milk $1.05 $2.49 137%
		Source: U.S. Postal Service, McDonalds Corporation, Bureau of Labor Statistics, Alberston's Inc., Economist Weekly, 2004.

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