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Annuities

Annuities – what they are, how they work and how to choose the best type of Annuity

Found 142 Articles.
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The Truth about Annuities — And How to Make Them a Lifelong Stream of Income

January 24, 2023

Click the PDF below for immediate access. […]

How to Customize Annuities To Maximize Your Retirement Income 

January 15, 2023

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 […]

Lifetime Income Through Annuities: Everything a Retiree Should Know

October 9, 2022

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 […]

Read This Before Joining the Surge in Fixed Indexed Annuity Buyers

August 31, 2022

Stocks and bonds have lost value in 2022, and that’s increased the popularity of fixed indexed annuities (FIAs). FIAs set sales records in 2021, and sales in 2022 are well ahead of 2021’s levels. A new quarterly sales record was set in the second quarter of 2022, according to currently, eclipsing the previous record in […]

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How to Set Up Future Guaranteed Lifetime Income Today

August 2, 2022

Guaranteed lifetime income increases financial security. What many people don’t realize is that today you can set up guaranteed lifetime income to begin in the future. When retirees have guaranteed lifetime income, they safely spend more money and don’t worry about running out of money during retirement. More details are in the November 2021 episode […]

You Can Replace Bonds and Have Higher Income, Greater Safety

March 25, 2022

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 […]

What is the Future Value of an Annuity, and How to Calculate It

August 5, 2021

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 […]

What is the Present Value of an Annuity, and How to Calculate It

August 5, 2021

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 […]

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