MarketWatch
Annuities are coming to more 401(k) plans. Should workers embrace them?
Saturday, June 27, 2026
Title: Annuities to be offered in more 401(k) plans under new regulation
Summary: A new regulation will allow annuities to be offered as options in 401(k) retirement plans. Financial experts offer different perspectives on the change.
The Trump administration issued a rule allowing retirement plan administrators to include annuity options in 401(k) plans. Annuities are insurance products that provide guaranteed income payments over a specified period or for life. Supporters argue annuities can help workers protect against outliving their savings. Critics note that annuities often charge higher fees and may offer less flexibility than other investment options. The regulation takes effect on a date to be announced.