71.   One, representing two thirds of the whole, would be invested to bring you an income stream.

72.   Otherwise, you have converted your wallet into an income stream for the lender.

73.   Over the long haul, she should achieve a good income stream.

74.   Presumably, as time passes and as inflation erodes the value of your income stream, you will be drawing more and more of the fixed-income yield.

75.   Since you do not currently require an income stream, you can afford to take on a reasonable amount of market risk.

76.   Single premiums are more volatile than annual premiums, providing a single, one-time payment rather than a constant income stream as annual premiums do.

77.   So if you are comfortable living on the income stream you describe, I see no reason to change.

78.   So they probably pushed the traditional button, choosing bond funds that would supply you with a good income stream.

79.   So what remains for you to worry about is the effect of inflation on your income stream after retirement.

80.   So while she could not outlive the income stream from an annuity, it is likely that the amount of the income would be inadequate.