Original investment and tax research on annuities from retirement expert Bob Carlson
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Protect my principal, and guarantee my income. Those are the goals of many investors today, especially those in or nearing their post-career years. Now that the equity markets no longer are rising steadily upward, investors aren’t looking for ways to match or beat the indexes. They’re looking to protect the nest eggs they’ve worked hard […]
Market volatility and uncertainty spur the search for investment alternatives. Index fund investors broke even or lost money the last 10 years, depending on what the markets did in the latest week. Investors need their portfolios to grow if they are to meet retirement goals, but many investors want to avoid the risks and volatility […]
Fixed annuities or immediate annuities can make a portfolio last longer. They can provide steady income for life and smooth the portfolio; it won’t be as subject to fluctuations from market activity. Annuities are not all the same. Yields and rates of return vary considerably. Insurers have different investment experience, life expectancy assumptions, and expenses. […]
Longevity insurance is the latest tool designed to relieve Baby Boomers’ anxiety about outliving their income. This innovation now is offered by Hartford Financial Services and MetLife, and other insurers are developing their own versions. You know the problem. A 65-year-old today has about a 50% probability of living past 85, and a 34% chance […]
What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up with. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here for free access.
A number of people bought annuities years ago that no longer suit their needs. Sometimes there has been a major life change relating to marriage, death, or inheritance. Other times a person’s financial needs have changed. They want money now instead of waiting for annuity payouts. Some simply are dissatisfied with the returns of the […]
Regulators finally are focusing their efforts on some negative aspects of the variable annuity market that we’ve been discussing for years. Recently, several actions were taken by the National Association of Securities Dealers and the Securities and Exchange Commission. The NASD, which regulates its broker members, in April proposed new rules governing variable annuity marketing. […]
The IRS in a recent ruling handed a break to annuity owners who are under age 59 1/2 and need cash. The ruling allows these annuity owners to restructure payments they receive from the annuities. Until the ruling, annuity owners had only one opportunity to determine the payment stream to take before age 59 1/2. […]
Almost every retiree has a choice of how to receive benefits: as either a lump sum or a stream of annuity payments. The choice is critical, yet it doesn’t receive the critical analysis it should. About half of employers give these options on 401(k) and other retirement plans. You face a similar choice with an […]