Annuities News, Information and Guidance

Longevity annuities offer peace of mind that you can fund a long life.

Longevity Annuities in Retirement Plans: What Are They? Why Buy Now? For Whom?

Thanks to rules passed late last year, longevity annuities may  grow in popularity as a compelling way to plan for retirement — in particular, a long life in retirement. Longevity annuities have been around for years offering retirees a way to hedge against “longevity risk,” or the possibility of outliving one’s savings. Until recently,…

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Worried About Low Interest Annuity Rates? 4 Strategies for Better Returns

In recent years, many people have decided to invest in annuities as part of their financial plan in retirement. Payouts for these investments are typically better than other income-producing investments because those who purchase annuities pool their mortality risk with other annuity purchasers. Annuities can be a confusing product.  Learn about the pros and…

Fixed annuities will likely explode in popularity.

What is a Fixed Rate? Why 2015 Will Be A Big Year for Fixed Annuities

This year will be big for fixed annuities, according to financial experts. But how an annuity works remains a mystery for many. AARP found that half of surveyed workers described themselves as “not too familiar” or “not at all familiar” with annuities — let alone the intricacies of different kinds of annuities and why…

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Understanding Deferred Lifetime Annuities – Pros and Cons

There should be a required primer on retirement planning. It would be sort of an “everything you need to know, but were afraid to ask” type of manual, not unlike the ones everyone says should be issued at weddings or the birth of a child. But instead, as with everything else that’s important in…

Retirement Planning... It can be confusing and rough (ruff?)

3 Reasons Why Lifetime Annuities Are Terrible Investments and 1 Reason to Consider Them for Retirement

Investment are hugely important for retirement planning.  “Investing” means putting money into an asset with the expectation that it will grow, produce dividends or generate interest.  Investments are designed to grow your money although most, if not all, forms of investment involve some form of risk. By this definition, annuities are a terrible investment. …

Annuities can offer income for life.

What is an Annuity? 5 Things You Need to Know About Annuities

An annuity is an insurance product that you can purchase from a financial institution—usually an insurance company—that is designed to accept, grow and eventually pay out funds over a period of time. Because annuities can provide you with a steady source of income, they are commonly used as retirement planning tools by individuals who…

Annuities

How the Federal Reserve Has More People Looking at Buying Annuities

What could be better than income you can depend on throughout your retirement? That’s why annuities were born, and why so many people have chosen to invest their money in these low-risk insurance products. But a funny thing happened on the way to the bank a few years ago. A zero interest rate policy…

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How to Use an Annuity Calculator

A well-appointed retirement portfolio isn’t dependent on one source of income to sustain you. A much safer approach is diversification. That way, if one source falls flat you’re not left high and dry. Annuities are one way to diversify, but they should be approached with a lot of caution. With an annuity calculator, you…

Annuities

5 Upsides of Investing in Annuities

Retirement planning seems to become more complex all the time. The more you learn, the more you know that there’s always something else to learn. Such might be the case with investing in annuities. If you’re not familiar with annuities, you can think of them as a type of retirement insurance. You pay in…

Both Deferred and Immediate Annuities -- A Way Protect Your Future Quality of Life.

Annuity Pros and Cons: Should You Opt for a Deferred or Immediate Annuity for Longevity Protection

Americans fear outliving their money more than they fear death. A staggering 61% of survey respondents said they were more scared of outliving their assets than they were of dying, according to a 2010 study of baby boomers from Allianz. The research found that this percentage climbed to 77% for those age 44 to…