Annuities – what they are, how they work and how to choose the best type of Annuity
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Higher interest rates are making annuities more popular than ever, but misunderstandings keep many people from taking advantage of annuities. Insurers have been dealing with waves of applications as yields on multi-year guaranteed annuities (MYGAs) leapt to 3%, 4% and then above 5%. Let’s look at the misunderstandings that keep people from the benefits of […]
There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). An income rider simply is a feature that you add to the annuity contract. Remember that in a […]
Bonds have been harming portfolios more than helping them since early 2020, and that’s likely to continue for a while. Investors are looking for alternatives to their fixed-income holdings. We started decreasing our holdings of traditional fixed-income investments in our Retirement Watch portfolios when the Fed began trying to end the extraor- dinary monetary policies […]
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Future Value of an Annuity The present value of an annuity is based on the concept of the time value of money. The time value of money means that money is worth more the sooner you have it. Payments that are scheduled to be received in the future are worth less today because of the […]
Present Value of an Annuity The present value of an annuity is based on the concept of the time value of money. The time value of money means that money is worth more the sooner you have it. Payments that are scheduled to be received in the future are worth less today because of the […]
The structure of an annuity can be beneficial in multiple scenarios. Given the versatility of annuities and how advantageous they can be, the concept of an annuity has been adopted in various environments. This article is going to explain the use of annuities in lawsuits, focusing on structured settlement annuities. What is a Structured Settlement […]
The primary purpose of an annuity is to provide a guaranteed source of supplemental income during retirement. The various types of annuities have differing stipulations, but all types provide the benefit of ensuring a reliable stream of income. One such annuity is a tax-sheltered annuity. What is a Tax Sheltered Annuity? A tax-sheltered annuity is […]