# Swoopr Investment: Retirement Investing
# Scoped content manifest for LLM agents and web crawlers.
# Generated: 2026-10-09
# 13 pages in this section.
# Root index: https://www.getswoopr.com/llms.txt

## Retirement Investing

- [Retirement Investing](https://www.getswoopr.com/retirement-investing/) ([Markdown](https://www.getswoopr.com/retirement-investing.md)): How retirement accounts, time horizon, asset allocation, target-date funds, sequence-of-returns risk, inflation, and withdrawals fit into one plan.
- [Annuity Decision Framework](https://www.getswoopr.com/retirement-investing/annuities-decision-framework/) ([Markdown](https://www.getswoopr.com/retirement-investing/annuities-decision-framework.md)): A five-step framework for evaluating an annuity: define the income gap, separate the insurance promise from the crediting engine, then price the alternative.
- [How Annuities Work and What They Cost](https://www.getswoopr.com/retirement-investing/annuities/) ([Markdown](https://www.getswoopr.com/retirement-investing/annuities.md)): Annuities trade a lump sum for guaranteed income or tax-deferred growth. Learn how fixed, variable, and indexed annuities differ, plus fees and taxes.
- [Retirement Asset Allocation: Glide Paths](https://www.getswoopr.com/retirement-investing/asset-allocation/) ([Markdown](https://www.getswoopr.com/retirement-investing/asset-allocation.md)): Retirement asset allocation by life stage: how glide paths work, how target-date funds are built, and why the equity share falls as a retirement date nears.
- [Asset Location for Retirement Accounts](https://www.getswoopr.com/retirement-investing/asset-location-for-retirement-accounts/) ([Markdown](https://www.getswoopr.com/retirement-investing/asset-location-for-retirement-accounts.md)): Asset location decides which account type holds each asset class to reduce lifetime tax drag, a decision separate from asset allocation. Here's the heuristic.
- [The Bucket Strategy for Retirement](https://www.getswoopr.com/retirement-investing/bucket-strategy/) ([Markdown](https://www.getswoopr.com/retirement-investing/bucket-strategy.md)): How the retirement bucket strategy segments a portfolio by time horizon, how refill rules actually work, and what time-segmentation does and does not change.
- [How Contribution Limits Are Indexed](https://www.getswoopr.com/retirement-investing/how-contribution-limits-are-set/) ([Markdown](https://www.getswoopr.com/retirement-investing/how-contribution-limits-are-set.md)): Retirement contribution limits are set by statute, not by the IRS. See which Internal Revenue Code section governs each limit and how the annual indexing works.
- [Longevity Risk in Retirement](https://www.getswoopr.com/retirement-investing/longevity-risk/) ([Markdown](https://www.getswoopr.com/retirement-investing/longevity-risk.md)): Longevity risk is the chance of outliving retirement savings. How planning horizons, joint survival for couples, and pooled lifetime income change it.
- [Sequence-of-Returns Risk Explained](https://www.getswoopr.com/retirement-investing/sequence-of-returns-risk/) ([Markdown](https://www.getswoopr.com/retirement-investing/sequence-of-returns-risk.md)): Sequence-of-returns risk means the order of investment returns, not just their average, can determine whether retirement withdrawals succeed. See the math.
- [Social Security Claiming](https://www.getswoopr.com/retirement-investing/social-security-claiming-portfolio-withdrawals/) ([Markdown](https://www.getswoopr.com/retirement-investing/social-security-claiming-portfolio-withdrawals.md)): See how Social Security claiming age changes the portfolio bridge, withdrawal pressure, sequence risk, taxes and survivor income. Compare ages using your SSA estimates.
- [Target-Date Funds: Compare Glide Paths](https://www.getswoopr.com/retirement-investing/target-date-funds/) ([Markdown](https://www.getswoopr.com/retirement-investing/target-date-funds.md)): Learn how to compare target-date funds with the same retirement year by checking glide paths, equity risk, fees, underlying funds, and what happens after the target date.
- [Tax Diversification in Retirement](https://www.getswoopr.com/retirement-investing/tax-diversification/) ([Markdown](https://www.getswoopr.com/retirement-investing/tax-diversification.md)): How holding pre-tax, Roth, and taxable balances lets you choose which tax bucket funds each retirement year and control your own marginal rate.
- [Withdrawal Rate Frameworks Compared](https://www.getswoopr.com/retirement-investing/withdrawal-rate-frameworks/) ([Markdown](https://www.getswoopr.com/retirement-investing/withdrawal-rate-frameworks.md)): Compare fixed real, percentage-of-portfolio, guardrails, and floor-and-upside withdrawal strategies for retirement, with the research behind each approach.