“Is 68 a good time to invest $100,000 of a $500,000 retirement savings plan in an immediate annuity?” asks Michael P. The answer is situational, but the most important thing, replies the CNN Money team, is not to focus too much on timing. Predicting the bond market is a challenge few have the luck and skill to master. Instead, consider annuitizing in stages to ensure you’re properly diversified, have enough steady income but not so much that you sacrifice all liquidity, and, in case rates do rebound, avoid the risk of investing everything in one place at an inopportune time. 

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