You should take Social Security and annuities into account when deciding how to invest your retirement accounts. But that doesn't mean you should put all your investments in stocks.
Whether your savings are in a 401(k), IRA or a combination of retirement accounts, you'll need to develop a viable retirement income plan before you retire.
You can contribute as much as $18,000 to your 401(k) in 2017, and as much as $5,500 to your IRA or Roth IRA. These limits are unchanged compared to last year.
If you wait to take Social Security to qualify for a bigger monthly check down the road, you'll have to withdraw from your own savings. But you can reduce the withdrawals when those bigger Social Security payments kick in.