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For retirees, digital finance means greater convenience and efficiency in retirement planning, banking, credit card and loan payments, day-to-day budgeting, and investing. Online banking and fintech apps often eliminate the need for a physical debit card or credit card by providing digital versions of such cards.
Unlike more liquid investments like savings accounts and brokerage accounts, annuities are designed to provide financial security for the long term. In a deferred annuity, funds are collected over time before payments start. The liquidity rules for deferred annuities may vary depending on the insurancecompany and the product.
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