US 2028 SPIA vs Bond Ladder
Heads up: official 2028 figures have not been announced yet — this tool uses projections from the latest confirmed rates and current law. We update it as soon as official numbers are published.
SPIA 2028: lump sum → guaranteed lifetime income (mortality credit). Bond ladder: similar income + retain principal + heir inheritance. SPIA wins for longevity insurance.
SPIA Annual
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Bond Annual
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| SPIA annual | — |
| Bond ladder annual | — |
| SPIA lifetime | — |
| Bond lifetime | — |
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SPIA (Single Premium Immediate Annuity) vs bond ladder 2028: SPIA exchanges lump sum for guaranteed lifetime income via mortality credit (younger people subsidize longer-lived). Bond ladder provides similar income + principal preservation but no longevity insurance. SPIA wins for fearing outliving money; bond wins for heir inheritance.
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body_htmlLast updated May 2026. Sources: IRS Annuity.