DON'T OUTLIVE INCOME

As lifespans get longer, the dangerof running out of money in yourretirement years is increasing. Whilemost experts advise that you keep agood portion of your portfolio inbonds and stocks, many also recommendfixed annuities as an optionthat can provide a steady flow ofcash for as long as you live. The payoutfor a fixed annuity may varyaccording to your age—the olderyou are, the higher the interest rate.You should also shop around beforeyou choose the company thatunderwrites the annuity. It's best tostick with reliable, low-cost financialservices firms, like TIAA-CREF(www.tiaa-cref.org) and Vanguard(www.vanguard.com).