Knowing how interest rates shape annuity performance can help you secure reliable retirement income. Andrzej Rostek/Getty Images

Last month, the Federal Reserve finally conducted its first rate cut of 2025 , dropping its benchmark rate by 25 basis points after months of anticipation. This move marked the start of what many experts and analysts expect will be a gradual pivot toward lower borrowing costs, with at least two more rate cuts anticipated before the end of the year. For retirees and near-retirees, that shift has sparked renewed questions about how today's changing rate environment could affect long-term financial decisions.

As a result, annuities , in particular, are drawing attention again. These insurance-backed retirement products convert savings into guarante

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