Retirement Watch Lighthouse Logo
Retirement Watch Lighthouse Logo


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

Found 139 Articles.
Get access to our full article archive by subscribing to Retirement Watch and Retirement Watch Spotlight Series.

Delay Social Security, Buy Annuities

July 6, 2011

Your federal government is giving you retirement planning advice. The General Accountability Office issued a report July 1 titled “Retirement Income: Ensuring Retirement Income Throughout Retirement Requires Difficult Choices.” You might ask why the government is giving you and others retirement advice. The GAO compiles and issues reports after a member of Congress requests one. […]

Diving Into Those Guaranteed Variable Annuities

July 1, 2011

Investors steadily increased purchases of variable annuities with guaranteed benefits in recent years. These annuities clearly are striking the interest of a substantial number of investors. But they’re complicated, and I doubt most of the buyers fully understand them or know how to compare them to alternatives. There are several versions of variable annuities with […]

The Tax-Free Annuity

July 1, 2011

Many annuities are used at least partially to pay for long-term care. When you own the right annuity, distributions to pay for long-term care are tax-free thanks to a 2006 law. To qualify for tax-free treatment, the annuity owner must need assistance with at least two of the activities of daily living (eating, dressing, bathing, […]

Evaluating Index Annuity Returns

June 2, 2011

Indexed Annuities can be a tough sale for insurance brokers, partly because they’re very complicated. A recent article in the Journal of Financial Planning appeared to cut through a lot of the problems by taking actual results from annuity contracts and showing that they outperformed a benchmark. But, not so fast. Robert Huebscher of […]


In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more. 

Guaranteed Inflation-Protected Income

June 1, 2011

A lifetime stream of guaranteed income is a goal for many people. Even better is to have that income stream increase with inflation. You can have a lifetime stream of guaranteed income that increases with inflation. You must study the options, plan, and shop carefully. An immediate annuity is the prime way to receive guaranteed […]

How to Respond to Changes in Annuities

April 1, 2011

The annuity market is changing rapidly. Investors interested in any type of annuity or that already own annuities need to be aware of the changes. They also need to stay informed of what’s happening in the market, because more changes are likely. One major change is insurers dropping out of annuity markets. Both fixed and […]

Requiring Annuities for IRAs, 401(k)s?

November 1, 2010

A rumor I regularly am asked about is that the government is going to require all IRAs and 401(k)s to be invested annuities. Some versions of the rumor go further and say the proposal is to confiscate all these accounts and invest them in annuities or even Social Security. Here’s the real proposal. The Labor […]


How to Build Your Own Equity-Index Annuity

October 1, 2010

Last month’s visit discussed equity-indexed annuities (EIAs). We reviewed their different elements,  ad-vantages and disadvantages. This month we explain how you can generate very similar results by creating your own EIA. Remember the attraction of an EIA is you are assured in the worst case of a return of your principal after about 10 years […]


Log In

Forgot Password