The Annuity Rebrand: How Self-Directed Investors Are Shaping the Future of Retirement Income
Gainbridge reports a significant cultural shift toward self-directed investing, empowering consumers to take control of their retirement and transforming annuities with greater transparency and autonomy.
Over recent decades, society has shifted from full-service gas stations to self-service pumps, reflecting a broader trend toward autonomy that touches many aspects of daily life, including self-checkout and retirement investing.
Research Insights from Gainbridge
A January 2025 study by Gainbridge reveals a growing group of investors who prioritize autonomy, transparency, and digital empowerment. These values are reshaping how people plan for retirement.
The Changing Role of Annuities
Once known as complex and heavily reliant on advisors, annuities have evolved into flexible tools that allow digitally savvy consumers to craft their own retirement strategies in an uncertain environment.
"This evolution doesn’t eliminate advisors — it redefines their role. The focus is shifting toward expanding access, fostering confidence, and giving consumers the tools to make informed financial decisions."
Some annuity providers are moving away from commission-based models, enabling users to adopt a more hands-on approach to planning retirement income.
Summary
The rise of self-directed investors is driving a transformation in the annuity market, combining digital tools and transparency to empower individuals in retirement planning, while redefining the advisor’s role.
Would you like the tone to be more formal or conversational?