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Where's the postbox? star trek generations Once BlackRock gets approval to market bond funds based on that index, it expects to tell investors that they should be able to count on buying an annuity at retirement age that gets them that withdrawal rate. Developed by Chip Castille, a managing director and one of the creators of the original target-date fund, the bond-heavy new product is a safety play for investors, but it's not so drastic as giving up income to buy an annuity.

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