Annuities 101

The Process for Buying an Annuity

Here are the four steps for buying an annuity.

Annuities and Retirement Planning


The Modernization of American Annuities

The number one reason that people purchase an annuity in the first place is income protection, protection from living too long. Think of it as an insurance to protect you from outliving your assets. It is not uncommon, and it is becoming more common, for people to outlive their retirement funds, people are living longer. For many people, it just makes solid sense. With the purchase of an annuity come contractual benefits known as settlement options.

Annuities: Just How Long Have They Been Around?


How Safe is Your Fixed Indexed Annuity?

Each month, millions of dollars are being moved from stocks, bonds, mutual funds, variable annuities, ETFs, 401(k)s, and CDs into Fixed Indexed Annuities. Why? The number 1 reason is SAFETY. But How safe is Your Fixed Indexed Annuity – are you sure it will provide you with enough income to last as long as you live? Should you trust an indexed annuity with your important retirement funds? What happens if an insurance company were to fail? These and other questions are vitally important and the answers may surprise you.

Equity Linked Indexed Annuities (EIAs)

The feature separating equity index annuities from standard interest bearing annuities is how the account’s interest is credited. Indexed fixed annuities normally offer a minimum guaranteed interest rate combined with an interest rate linked to a market index such as the Standard and Poor’s 500 or the Dow Jones Industrial Average. Because of the equity index annuity’s guaranteed interest rate, fixed equity indexed annuities have no market risk other than the expected interest credited to the annuity, which is determined by the outside source.

Dollar Cost Averaging With Variable Annuities

While dollar cost averaging does not by itself shield investors from market downturns, continuous and scheduled purchases over an extended period of time tend to cancel out the ups and downs of the market, and leave the investor with a net gain and a minimized risk. A variable annuity is more suited for taking advantage of dollar cost averaging because it allows for a specific portion of your annuity investment to be transferred tax free on a monthly into equity portfolios.

Fixed Indexed Annuities


Annuities: The Good, The Bad And The Confusing

Purchasing an annuity can be a great way to guarantee your retirement income for as long as you live. It can also protect your assets from inflation, stock market fluctuations, a serious medical crisis or other unforeseen circumstances. An annuity can help bolster your retirement financial plan by guaranteeing your retirement income. Think of an annuity like a pension you might purchase. You pay a lump sum or payments over time. In return you receive monthly income for a specified period of time or for the rest of your life – no matter how long you live.

A Comprehensive Guide To Annuities And Annuity Investing

In its simplest definition, an annuity is an amount payable annually. For our purposes, however, an annuity describes a contract offered by an insurance company that allows you to accumulate funds for retirement on a tax-deferred basis. Upon retirement, you’ll receive income from the annuity that can be guaranteed by the insurer to last either a fixed number of years, or as long as you live. An annuity is neither life insurance nor a health insurance policy, and it’s not a savings account or a bank Certificate of Deposit.

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