Institutional-grade retirement income forecasting. Solve for fixed, variable, and immediate annuity yields with 2026 actuarial precision.
Official 2026 industry yield targets and risk thresholds.
| Term (Years) | Target Yield | Action |
|---|---|---|
| 3-Year Fixed | 4.85% | Stable |
| 5-Year Fixed | 5.20% | Optimize |
| 10-Year Fixed | 5.50% | Legacy |
| Avg Benchmark | 5.18% | Target |
| Annuity Type | Fee Scalar | Income Est. |
|---|---|---|
| SPIA (Imm.) | 0.4% - 0.9% | Max |
| Variable | 1.2% - 2.5% | Market |
| Indexed (FIA) | 0.8% - 1.5% | Buffered |
| Standard Load | ~1.0% Avg | Stable |
| Surrender Year | Avg Penalty | Vesting Status |
|---|---|---|
| Year 1 | 7.0% - 10.0% | Locked |
| Year 5 | 3.0% - 5.0% | Partial |
| Year 7+ | 0.0% | Liquid |
| Standard Limit | 10% Free | Annual |
Annuities function as institutional risk-transfer mechanisms, converting liquid principal into perpetual income streams. In the 2026 market, these contracts are governed by **Actuarial Longevity Tables** and current **Risk-Free Rate Benchmarks**. Our S-Class engine analyzes the core growth and payout vectors: **Accumulation Velocity**, **Surrender Charge Decay**, and **Inflation-Adjusted Purchasing Power**.
Unlike generic interest calculators, our 2026 Payout Engine utilizes **Cohort Mortality Data**. It doesn't just apply a flat rate; it identifies your 'Break-Even Age' based on current life expectancy and adjusts for the **Exclusion Ratio**—ensuring you understand what portion of your income is a tax-free return of principal. This produces a granular 'Net Monthly Income' that matches professional institutional illustrations.
Expert guidance for navigating 2026 annuity and income protocols.
Internal Resource Mapping
Verified Institutional Framework • 2026 Edition