Which of the following is a type of retirement plan?

All of the options listed represent types of retirement plans, which is why the choice indicating "All of the above" is the correct response.

An annuity program is a financial product that pays out a fixed stream of payments to an individual, typically used as part of a retirement strategy to provide a steady income during retirement.

A defined benefit plan is a traditional pension plan where a participant's benefits are calculated based on a formula that considers factors like salary history and duration of employment. This type of plan guarantees a specific payout at retirement.

A defined contribution plan, such as a 401(k), allows employees and employers to contribute money to individual accounts. The retirement benefit is based on the amount contributed and the performance of the investments made with those contributions.

Thus, when considering all these options, they each play a significant role in the landscape of retirement planning, confirming that the comprehensive answer, which encompasses all categories, is indeed the correct one.