Due Retirement

Retirement Plan

Due provides a range of retirement accounts to make your retirement planning easy, secure, and hassle-free. 


Earn 3% on your contributions, with no hidden fees.

Retirement Plan​

Stay on track of your retirement

With a Due retirement plan, you’ll always be able to see your contributions and track their growth.


As your funds grow at an annual rate of 3%, you’ll be able to watch your savings compound each month, moving you closer to your retirement.


You can also add bonuses to boost your distributions and enjoy a richer life after work.

Predictable Retirement Rate

Predictable Retirement Rate = A Secure Future

At Due, we make saving for retirement easy. We guarantee that your retirement funds will enjoy a 3% growth rate every year. Whether the market booms or busts, you’ll always know exactly how quickly your retirement savings are growing.  


Retire after the age of 65, and enjoy a monthly, guaranteed income.

Why Choose Due for Your Retirement Fund?

Planning for your retirement can be complex and risky. Interest rates can vary so that you never know exactly how much you’ll receive when you retire or whether you’re still on track to the retirement you want. With so many plans and so many options, it’s too easy to procrastinate, losing many of the benefits of compound interest and reducing your retirement income.


At Due, we think retirement planning should be simple and predictable.


That’s why we pay a fixed rate and guarantee a monthly income after you retire. It’s easy.

Max Out Retirement Accounts
Keep control of your retirement

Keep Control

Your retirement fund will grow at a guaranteed rate but you can still improve your retirement by increasing contributions.


Save more each month as your income grows. Make one-off contributions when you land a bonus. You can even reduce your contributions if your income tightens. Your Due retirement fund can change as your life changes.

Get Started
Applying for an account is free and
takes less than 2 minutes



It’s the moment we work towards—or dread. After about 40 years of work and effort, we’ll be ready to hang up the keyboard or put away the work clothes. We’ll be able to ignore the Zoom invitations and spend our days doing… whatever we want. Instead of typing up emails or making sales pitches, we’ll be able to plan cruises or redesign the garden.


We’ll have time.


But enjoying retirement depends on having the resources to enjoy it. Retirement might remove the burden of work but it also removes the benefits of a salary. In order to make the most of our last years, we need to begin preparing for them a long time before we reach them. We need to put aside money so that we no longer have an income from work, we have funds that can work for us.


This guide to retirement will explain everything you need to know about the years after your work, and the financial planning you have to do now.

What You’ll Find in This Guide

This guide to retirement won’t tell you how to have a good time. We assume that you know how to do that.


Instead, we’ll talk about the four stages of retirement because few life changes are more important. You should understand what awaits you in your last—and hopefully best—decades of life. We’ll tell how to make sure that you really can enjoy those years.


We’ll start talking generally about when you can retire, how much money you’d like to have when you retire, and how much you can realistically expect to receive when you stop working.

But the details matter. There are a number of channels that you can use to save for retirement. You might receive a pension or buy an annuity. You could also fund a 401(k) and yoou will receive Social Security payments. We’ll talk through what each of them mean, what they can deliver, and what you need to know before you put money in them.


Finally, we’ll talk about what you need to do now to to plan for your future.

An Overview of Retirement

When we talk of retirement, we usually imagine a single period stretching from the last day of work to the last day of life. We may no longer have a schedule to fill but the days do look similar: a mixture of gardening, grandchildren, and golf.


In practice retirement isn’t a single, unchanging period. A report in 2016 from Age Wave and Merrill Lynch identified four different stages in retirement.

Chapters - Retirement Chapters

Retirement FAQs

How do I open a Due annuity account?

It’s pretty simple. Click the signup button, enter in all the information that we require for getting your Due retirement account all setup and then setup how much money you’d like to deposit into your account each month. Total process on average takes around ten minutes to setup.

If you have any problems setting up your Due annuity account please contact our support team and we’ll help to get you setup.

Keep in mind, we will never contact you via phone and ask for personal information. We require each person to have two-factor authentication setup in order to fund their annuity account.

Do I need a credit check to setup an Annuity Plan with Due?
When setting up your account we require all credit information but we do not perform or pull your credit. There will be times when partners or banks that we work with will have to perform a credit check. This is required in some circumstances to open an investment account.
How does the fineprint on my annuities account work?

Great question, it’s pretty simple. We setup an account in your name and invest the money that you entrust with our company.

Due charges a monthly fee of $10. This money goes towards the management and growth of our company.

Due give 3% interest on all the money you have in the Due platform. We then invest the money and take on the risk. We guarantee you a rate of 3% on your money. You do not receive any more or any less than this amount.

Due tells you at any time how much money you’ll receive for the rest of your life. When you turn 65 years old (or a predetermined age you choose) you will receive a “deposit” into your bank account on the 1st or 15th (you can choose) of each month.

You can withdraw your money at any time. Typically if you withdraw your money before the age of 65, we require you pay a 10% penalty fee. The reason behind this is that we have your money invested in longer term investments that have large penalties for taking out your money. When we invest the money like this, it allows us to give predictable returns for our customers. Special note: Withdrawals before age 59½ may be subject to a 10% IRS penalty tax in addition to this amount.

All investments involve risks, including the possible loss of capital. While this isn’t the goal, it is a possible outcome. With that said, we invest every dollar of your money into Charles Schwab account where your money is managed by two of the top investment firms in the nation: Blackstone (NYSE: BX), and ATHOS Private Wealth. Both of which have a very good reputation.

Got additional questions, message us via support at anytime!

How much money can I contribute each month?

That really depends on you. We do not limit the amount of money that you can contribute to your annuity account each month.

Here are a few recommendations and guidelines on how much you should be investing. Note, we’re not financial advisers but want to help give you the best info possible.

1. Make sure you’re maxing out your 401k, Roth IRA, HSA Accounts and all other investment accounts that will help long term. Especially matched benefits programs like 401k before putting in money.

2. Start with a healthy amount each month. This might be $20, $200 or $1000 a month. The more you put into your account, the more you’ll get each month.

3. How much money do you need each month when you retire? Check out our annuity calculator to help you back out how much money you need to put in each month to have the appropriate amount of monthly money coming to you each month

We don’t recommend putting in more money than you can afford to invest. Don’t pull money from a credit card to put in your annuity account. Yes, there are people who have and we don’t recommend it. Don’t borrow money. If there are debts that you owe and we receive a legal notice, we will be required by law to withdraw the money from your account. This could include unpaid hospital bills, unpaid taxes, etc. All investments involve risks, including the possible loss of capital. Don’t invest more than you could afford to lose.

How easy is it to withdraw my money?

It’s pretty simple. Login to your Due annuity account and request a withdraw. You’ll have to verify a few things. This will also include a call from our customer service team to confirm the withdrawal. This can take up to five business days to fully fund.

Special note: if you withdraw before your retirement target date, you could impose up to a 10% early withdrawal fee on your money as it’s invested in long term investments and we have to pull out of those positions.

Is it better to take annuity or lump sum?

There are benefits to both a monthly annuity or a lump sum. Lets walk you through a few benefits and drawbacks to each option to help you make the best decision when you decide to retire.

A monthly annuity is a sum of money that gets deposited in your bank account each month. People like this because it’s guaranteed income (though much smaller amount) that helps you not worry about running out of money for the rest of your life. The biggest drawback is that you won’t have a bunch of money to put into a different investment that requires a lot of money.

A fixed lump sum is a great option if you’re wanting to make a large purchase like real estate or something similar, starting a business or if you’re wanting to invest the money yourself into the stock market. You could potentially gain a lot of money but do risk losing a large amount. Taxes can also be a negative factor when pulling out large sums of money from your annuity.

What are the different types of annuities?

There are many different types of annuities. Each one has their advantages. Our customers genuinely know Due as a fixed annuity program as we payout monthly, but many people can fit their type of annuity into our program.

Deferred Annuity – A deferred annuity is a form of annuity that Due offers. This is for people like me and you what want to build up a nest egg annuity before we retire. We defer our payments until a future date. In most cases when you retire at 65. Deferred annuities are very popular for people looking to have guaranteed income in the future. Some people prefer to defer these payments until they stop working which could be long into their 70’s. It’s really up to you!

Fixed Annuity – Fixed annuities are fixed interest investments issued by insurance companies like Due. These types of annuities pay guaranteed rates of interest. We find these genuinely are higher than bank CDs. In most cases you can defer income to a later date (in our case at your retirement age) or draw income immediately (if you’re wanting to get money right now. We offer both options for fixed annuities. Our customers love the guaranteed fixed investment to help them predict their retirement.

Immediate Annuity – An immediate payment annuity is very similar to a  life insurance policy. Instead of waiting years, you can deposit a large sum of money in exchange for regular income each month. This is typically invested for 12+ months before you start receiving the monthly annuity payout. You have to be comfortable sacrificing a large sum of money in your bank account for monthly money deposited into your account.

Variable Annuity –  These types of annuities are typically put into subaccounts (mutual funds). How much money the annuity is worth depends on how well the total value of the mutual fund performs over the period of time divided up all the among the accounts. If they perform bad, they will not pay out that well. Variable annuities are popular among retirees that want a little bit more than the average fixed annuity will return.

Fixed Indexed Annuity –  A fixed indexed annuity is genuinely a rate that is attached to a specific fund or something like the S&P overall performance. Fixed indexed annuities typically offer a guaranteed minimum income benefit with a small chance of an increase if the fund invested in performs above average. A huge drawback to these types of annuities is that they typically perform a little off the market and don’t gain like you would if you invested in a more risky type of annuity.


How much does a $100,000 annuity pay per month?

Using our annuity calculator you can find out this information. A lot of the data behind this depends on how old you are. Here are a couple quick reference points, keep in mind that they are not exact numbers as we don’t have your age:

  • If you’re 30 years old right now and you don’t deposit any more money you’ll receive $10,049 yearly. This comes out to $837 a month for the rest of your life.

    If you add $100 a month, you’ll receive $12839 yearly. This comes out to $1070 a month for the rest of your life.

    If you add $500 a month, you’ll receive $23,997 yearly. This comes out to $2000 a month for the rest of your life.


  • If you’re 40 years old right now and you don’t deposit any more money you’ll receive $7,477 yearly. This comes out to $623 a month for the rest of your life.

    If you add $100 a month, you’ll receive $9177 yearly. This comes out to $765 a month for the rest of your life.

    If you add $500 a month, you’ll receive $15,974 yearly. This comes out to $1331 a month for the rest of your life.


  • If you’re 50 years old right now and you don’t deposit any more money you’ll receive $5,564.16 yearly. This comes out to $463.68 a month for the rest of your life.

    If you add $100 a month, you’ll receive $6,572 yearly. This comes out to $548 a month for the rest of your life.

    If you add $500 a month, you’ll receive $10,003 yearly. This comes out to $834 a month for the rest of your life.


  • If you’re 65 years old right now and you don’t deposit any more money you’ll receive $3,678.60 yearly. This comes out to $306.55a month for the rest of your life.


As you can see, that number grows significantly if you start putting in $500 – $1000 a month when you’re in your 30’s and 40’s.

How long does an annuity last?

Great question. We have built our “annuity” type of a program so that it will payout money for the remainder of your life. The more money you deposit into your account, the more money you’ll get each month. 

Every annuity account in Due has the ability to cash out at any time. 

Once you start receiving monthly payments, the value of the cashout will go down each month. This will continue to go down until it reaches zero. You’ll still receive monthly money until you die despite not having anything to cash out.

Monthly money will continue to be deposited in yours and your partners account until both of you die.

If you and your legal partner die before your “lump sump” money runs out, your “dependents” will be required to withdraw the money. We do require adequate documentation. Please contact support if this is the case.

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