income annuity

Annuity confusion

I’m baffled.

My basic profile is very simple: Among other things it assumes my nominal investment return on qualified and unqualified money matches 3% inflation (i.e. zero real return), assumes my wife and I both die at age 100, and inputs as special receipts the payouts of three immediate annuities, two of which are currently paying out, and the third of which is due to start paying out in June of this year. I don’t assume a house sale, insurance, leaving a legacy, or anything else to complicate matters. I plan to retire at the end of 2019.