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times theyre a change in thats what Bob Dylan said and whilst he may not have been describing the Revival of fixed income pension products in 2022 that is what were currently seeing guaranteed retirement income products are enjoying a bit of a Renaissance and its not hard to understand why investment values have fallen across the board this year which always reduces the general appetite for risk and the guaranteed rates of income being paid have recovered to levels we havent seen for well over a decade as we can see here many people still discount annuities entirely though because they lack the flexibility and they lack the death benefits of drawdown but there may be one or two things youre not aware of when it comes to certain types of annuity products which could mean theyre far more flexible than you think so what I want to do in todays video is first address the downside of fixed income products or at least the perceived downside of them then look at the case for them if t