Annuities News, Information and Guidance

Retirement options

An Annuity Calculator Might Reveal Better Retirement Options

When it comes to annuities, there tend to be two sides: those that love annuities and incorporate them into their retirement portfolio, and those that think they are a bad investment. As with any financial decision, it is important to get all of the information you need to make an educated decision on whether or…

Retirement

How Annuity Rates Can Dramatically Alter Your Retirement

Annuities can be a great addition to any retirement plan, and many people decide to invest in annuities because they can offer higher payouts than other investments and typically have less risk. One thing to consider before buying an annuity is how annuity rates will affect your investment and, ultimately, your retirement income. Annuity rates…

Retirement plan

Should an Annuity be in Your Retirement Plan?

Many people decide to include annuities as part of their retirement portfolio. These investments can often be a great way to complement other retirement income, such as pension plans and Social Security payments. But is an annuity right for you? It’s important to understand the advantages and disadvantages before investing.     Advantages of Annuities…

Annuity

Which Lifetime Annuity Offers the Most Flexibility?

Though annuities can be a valuable part of your overall retirement portfolio, not all annuities are the same. Some annuities have oppressive terms which may not offer you the best opportunity to reach your retirement income goals. Other types of annuities are more flexible, offering account holders the ability to customize their experience. Annuities are…

Annuities are like a good defensive squad for your retirement plan.

What is an Annuity? It’s the Defensive Line for Your Retirement Plan

When it comes to preparing for retirement, most Americans are all about saving, saving, saving. But in financial planning — as in sports — playing defense is just as important as playing offense.  And annuities can provide a good defense. Still, more than half of Americans (55%) do not believe that protecting their assets is…

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, there…

Annuity

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 cons…

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 a…

Annuities

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 life,…

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

Investments 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.  Why? …