Retirement: safe withdrawal rate vs annuities

[Halitosis]

Just wondering about the often quoted "4% rule" on DC pension drawdowns and whether folk are being tempted by the current annuity rates, which offer a guaranteed income higher than 4%? I'm a couple of years away from squeaky bum decision time and despite it appearing a no-brainer, resent the idea of handing my pension pot over, even if it is 3% growth/annum
Source: https://www.sharingpensions.co.uk/annuity_rates.ht...

[GTPork]

You could always go 50/50

[Car bon]

Splitting it is a good way to go. I was lucky enough to have close to 50/50 between DB & DC schemes.

My ideal (which I achieved) is to have all base living costs covered by 'guaranteed' income - so a combination of DB & state pensions. Then I can use the DC to front load some spending for the earlier years & provide flexibility etc.

Without a DB - and now that annuities look reasonable value again - I'd likely now be buying some annuities - but I definitely don't want flat income throughout retirement, I want more in the earlier years.