An annuity is a financial product that provides a stream of income over a set period. Annuities are often used in retirement planning as a way to generate income from a lump sum investment.

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A fixed annuity provides a guaranteed income stream. Payouts can be immediate or deferred. Drawbacks include limited upside. Annuities can help ensure your retirement savings last your entire life.

Alene Laney is a contributor to Buy Side and an expert on credit cards, mortgages and loans who has more than a decade of experience. Staff Personal Finance Editor, Buy Side Valerie Morris is a staff ...

Today's average mortgage rate on a 30-year fixed-rate mortgage is 6.35%, up 3.22% from the previous week, according to the ...

Decide whether a home equity loan or line of credit is best suited for your financial goals Staff Personal Finance Editor, Buy Side Valerie Morris is a staff editor at Buy Side and a personal finance ...