How do I turn my 401(k) into reliable retirement income?

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I plan on retiring next year, but I’m unsure how to invest my 401(k) for retirement income. Do I need an annuity? What do you suggest? –F.M.

It’s not surprising that you’re uncertain about what to do. Most of us focus our time and attention on growing our nest egg during our career. By the time retirement draws near, many of us find that we’ve given little, if any, serious thought to the critical task of turning that nest egg into income we can count on to support us the rest of our lives.

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