Doing this one thing will greatly reduce the stress on your retirement portfolio and keep you from running out of money. - Repositioning some of your retirement accounts into annuities and possibly repositioning your contributions to other types of retirement accounts can not only keep you from paying taxes in retirement but guarantee that you won't run out of money in 14 years like most retirees. - If you want to make sure that you don't run out of money when you retire, want to reposition your