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 […]
Investment dollars are pouring into equity index annuities. These annuities come close to producing what retirees and near-retirees want and need: guaranteed income with safety of principal and inflation protection. We covered EIAs in past visits. They are a hybrid of fixed annuities and variable annuities. An investor pays a premium to the insurer to […]
Few investors right now are buying the old-fashioned annuities. But as they shift from their accumulation years to their distribution years, many investors want some key features of annuities: tax deferral, guaranteed income, and income that cannot be outlived. Insurers are responding with an array of new features. Some are worth considering; others are the […]
Old-style defined benefit pension plans are looking more attractive to many retirees and near-retirees. A defined benefit (DB) plan pays a fixed monthly amount for life, and many even increase the payment for inflation each year. When the stock market is volatile and uncertain, and bond yields are low, a DB plan can look good. […]