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Annuities

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

Found 146 Articles.
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pros-cons-of-the-new-annuities

Pros and Cons of the New Annuities

September 1, 2008

Variable annuities long have been a controversial financial product. They became more controversial and confusing as insurers added features to make them attractive to more consumers. The controversy heated up recently in the pages of Financial Planning, a magazine for financial planners. It started with a white paper issued by Ibbotson Associates in October 2007 […]

finding-higher-returns-with-low-risks

Finding Higher Returns with Low Risks – Equity Indexed Annuities

June 1, 2008

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 […]

Increase Annuity Income by 20%

March 1, 2008

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. […]

new-rules-protect-variable-annuity-shoppers

New Rules Protect Variable Annuity Shoppers

January 1, 2008

Better late than never seems to be a principle of regulators. In that spirit new regulations were issued recently covering the sale of variable annuities. Variable annuities are one of the most-discussed investment vehicles of the last couple of decades. They have had strong sales, as investors are attracted by mutual fund investments coupled with […]

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is-longevity-insurance-a-solid-safety-net

Is Longevity Insurance a Solid Safety Net?

December 1, 2007

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 […]

handling-unwanted-annuities

Handling Unwanted Annuities

October 1, 2007

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 […]

how-to-get-paid-for-giving

How to Get Paid for Giving – Charitable Gift Annuities

July 1, 2007

A way to combine two tax benefits and receive a stream of income for life is the charitable gift annuity. Once an obscure vehicle, gift annuities are becoming more popular as the Baby Boomers age and charities become more sophisticated. The charitable gift annuity is a simple concept. An individual transfers wealth to a charity. […]

are-the-new-life-insurance-annuities-worth-the-cost

Are the New Life Insurance Annuities Worth the Cost?

June 1, 2007

Insurers want you to buy more annuities. They expect that as the Baby Boomers age they will need dependable sources of lifetime income, and annuities will provide a large portion of that income. The sticking point is that many people do not want to buy annuities, because the annuity payments last only for life. If […]

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