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daily investment options for the soon to be retired by Greg Ward with Financial Finesse.com.

As the early and late baby boomers get closer and closer to retirement and in some cases are

already there, we receive more and more inquiries about retirement planning and in particular

distribution planning. Just recently I spoke with a gentleman who's within

a few years of his retirement date, and he's done a pretty good job of saving for retirement,

but what he's most concerned with now is how to make sure he invest properly throughout retirement

so that he generates the cash flow he's expecting to get from his nest egg. There are a number

of investment options that

may achieve the goal, and each one comes with its own pros and cons. Here's a look at several

different investment options that may be suitable for a retirement investment portfolio.

Number one, immediate annuity. Annuities have received bad press in the past, usually because of the underlying expenses

associated with a variable annuity. But when it comes to retirement income, an immediate

annuity may not be such a bad option. An immediate annuity allows you to give money to an insurance

company in exchange for a guaranteed

income for the rest of your life. In other words, you exchange the risk of outliving your money

for the certainty of a lifetime income, while the insurance company accepts the risk that

you may live a long time in exchange for the money you give them now. An immediate annuity may be favorable for someone that

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