Annuities
Annuities – what they are, how they work and how to choose the best type of Annuity
Found 146 Articles.
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Updating the Annuity Puzzle
Economists and many financial advisers believe that most people should annuitize a portion of their nest eggs. That is, once they enter retirement they should buy an immediate annuity paying a fixed amount annually no matter how long they live. (Or you can buy an inflation-indexed annuity so the annual payment increases with inflation, but […]
The Secret to Tax-Free Annuity Distributions
In select cases, annuity owners can take tax-free distributions. Not many people know this, but it can provide a real benefit to people who need long-term care. Typically when distributions are taken from a deferred annuity, the income and gains are included in gross income and taxed as ordinary income. There’s an exception for distributions […]
How to Cover Long Term Care Costs with Annuities
It’s time to reconsider how your cash and “safe funds” are invested. Those of you with significant sum in safe investments or cash have at least one new option that pays more than a competitive yield. In addition, to earning a decent, safe return, the vehicle delivers up to three times your money for any […]
Evaluating Indexed Annuities
They used to be called equity indexed annuities, as this article still calls them, before the sales people decided to change the generic name. I’ve written about these before in Retirement Watch, and this article is a good read. It might be a bit too negative. These annuities can be good for someone who would […]
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Some Guaranteed Income Insurance and Annuity Strategies
Many people are looking for steady, guaranteed income in their retirement years. There are several different vehicles providing guaranteed income. There are many differences between them. Don’t make the mistake most people make. Don’t consider only one vehicle because that’s what your advisor offers. If you’re interested in guaranteed income, consider the several options out […]
Safe Investments and Annuities — Another View
Many people are seeking safe investments and only safe investments. That’s understandable given the events since 2000 and how unprepared many people were for them. The interest in safe money certainly is helping annuity salespeople. Here’s an alternative view. Keep in mind that I regularly advise people use annuities in their retirement portfolios. But I […]
Handling Changes in Variable Annuities
Tax planning is less of a guessing game these days with the tax law settled, at least until Congress decides to push some kind of tax reform. In the wake of the American Taxpayer Relief Act of 2012, we need to revise and rethink some strategies about Roth IRAs, especially about converting traditional IRAs to […]
Does Warren Buffett Like Variable Annuities?
Berkshire-Hathaway, Buffett’s investment vehicle, recently entered into a deal with the insurer Cigna to reinsure some variable annuity guarantees of Cigna. No doubt this will be viewed as Buffett entering the annuity, especially the variable annuity, market and be used as a sales tool for variable annuities. Don’t fall for that line. There are a […]
