I want my pension income level in retirement to be completely secure

For the majority of people the most important thing is to have the security and peace of mind offered by a guaranteed income for life. If having a high level of security is important to you then this option should be given high priority. You may feel security is not absolutely essential in the early period of your retirement, but would become more important in later years. In this case you would give this option low priority now, in the knowledge that you can switch to an annuity later on. 


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