Annuities
Annuities – what they are, how they work and how to choose the best type of Annuity
Found 146 Articles.
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Diving Into Those Guaranteed Variable Annuities
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
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
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 AdvisorPerspectives.com […]
Guaranteed Inflation-Protected Income
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 […]
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How to Respond to Changes in Annuities
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?
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
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 […]
Surging Interest in Stock-Based Annuities
Reader inquiries about equity-indexed annuities (EIAs) are rising. It’s not surprising. Investor interest in EIAs surges during difficult markets, and data show money is pouring into these annuities. As with most insurance products, the question is whether investors are buying these annuities or being sold them by strong presentations. Events are lined up in favor […]
