Personal Pension Case Study: Ryan

Published November 1, 2018
Ryan, age 35, bought a Personal Pension for a guarantee to balance his riskier 401(k) investments.

Meet Ryan, a Personal Pension customer. Here’s his story and a case study on his decision to sign up for the Personal Pension.



About Ryan

Age: 35
Spouse’s Age: 33
Occupation: Petroleum Engineer
Home State: Colorado

About Ryan’s Personal Pension

Type: Joint Life (covers his spouse too)
Income Start Age: 65
Monthly Income Goal: $1,000
Initial Contribution: $7,000
Annual Recurring Contribution: $2,000
Annual Contribution Increase: 5%

Why Ryan Bought a Personal Pension

Ryan always thought annuities were an interesting retirement product, but he never felt comfortable putting a large sum of money away with no liquidity at such a young age. When he came across an article that featured the Personal Pension, he decided to do some independent research on the product. After reading our reviews, our principles, and our team’s bios, he felt he could trust us and set up a brief phone call with Nimish to ask a few final questions before moving forward.

Ryan has always wanted to have a guaranteed portion of his retirement portfolio. Before purchasing the Personal Pension, the bulk of Ryan’s retirement savings were in his 401(k) and in real estate. With the addition of the Personal Pension, Ryan now has a third method of diversification that’s not tied to the stock market (which he fears may crash any day).

The reason Ryan decided to move forward with the Personal Pension is because of the flexibility and ease at which he can continue to contribute. Getting started with $7,000, which is less than 5% of Ryan’s current assets, allowed him to set up a strong base of retirement income, which he’ll continue to build on. Having a guaranteed stream of income lined up for the future provides Ryan with the feeling of security that allows him to take greater risk with his other investments today. Although he won’t start to receive income payments for 25 years, he said it’s been awesome to watch his future monthly paycheck from the Personal Pension grow with each subsequent contribution.

See What a Personal Pension Looks Like for You

A Personal Pension is a contract between you and top rated insurance companies. By making contributions to your Personal Pension over time, you develop a portfolio of guaranteed annuity income available in retirement. Blueprint Income offers a Personal Pension account with the lowest minimum, $100. After opening an account, you can make subsequent contributions of $100+, each of which will increase your pension check.

Click below to see what contributing to a Personal Pension will guarantee you in annuity retirement income.

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Blueprint Income

Blueprint Income

Financial Planning Professional

We are a team of finance, insurance, and actuarial professionals working to make it easier for everyone to achieve a steady and comfortable retirement. We write about annuities (the good and the bad) and provide strategies to help Americans prepare for retirement.

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