The $2014$ Financial System Inquiry identified problems in the current offering and design of retirement income products in Australia and suggested a new product design called $$Comprehensive Income Products for Retirement$.$ These have recently been rebranded as $$MyRetirement products$.$ Their design incorporates the beneficial characteristics of account based income streams and annuities $($such as income, flexibility and risk management$)$ into the one product. Compare and contrast these design features for account based income streams and annuities.