Saw this very nice article and thought it was worth bringing out for discussion:
One suggestion the author makes at the end is to "boost" yield in retirement is to annuitize and thereby take advantage of "mortality credit". Of course, the older one is when one does this, the higher the expected payout rate. And similarly, current payout rates factor in both life expectancies as well as the insurance company's ability to get low-risk yield from their own investments - which means that current payout rates are very low, too. Finally, unfortunately, he doesn't mention the huge potential downside to the annuities should inflation rear its ugly head.
Nevertheless, I believe it's an important article which should be read by anyone who uses the Trinity Study's results as a rule of thumb.
--David
PS: I've posted the link, the chart, and a note about the article here, too: