Annuities
Annuities – what they are, how they work and how to choose the best type of Annuity
Found 148 Articles.
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What You Need to Know About Annuity Income Riders
There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). I’ve discussed these in past issues of Retirement Watch and in my Spotlight Series online seminars. This month, […]
Read This Before Joining the Surge in Fixed Indexed Annuity Buyers
Stocks and bonds have lost value in 2022, and that’s increased the popularity of fixed indexed annuities (FIAs). FIAs set sales records in 2021, and sales in 2022 are well ahead of 2021’s levels. A new quarterly sales record was set in the second quarter of 2022, according to currently, eclipsing the previous record in […]
How to Set Up Future Guaranteed Lifetime Income Today
Guaranteed lifetime income increases financial security. What many people don’t realize is that today you can set up guaranteed lifetime income to begin in the future. When retirees have guaranteed lifetime income, they safely spend more money and don’t worry about running out of money during retirement. More details are in the November 2021 episode […]
You Can Replace Bonds and Have Higher Income, Greater Safety
Bonds have been harming portfolios more than helping them since early 2020, and that’s likely to continue for a while. Investors are looking for alternatives to their fixed-income holdings. We started decreasing our holdings of traditional fixed-income investments in our Retirement Watch portfolios when the Fed began trying to end the extraor- dinary monetary policies […]
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What is the Future Value of an Annuity, and How to Calculate It
Future Value of an Annuity The present value of an annuity is based on the concept of the time value of money. The time value of money means that money is worth more the sooner you have it. Payments that are scheduled to be received in the future are worth less today because of the […]
What is the Present Value of an Annuity, and How to Calculate It
Present Value of an Annuity The present value of an annuity is based on the concept of the time value of money. The time value of money means that money is worth more the sooner you have it. Payments that are scheduled to be received in the future are worth less today because of the […]
What is a Structured Settlement Annuity?
The structure of an annuity can be beneficial in multiple scenarios. Given the versatility of annuities and how advantageous they can be, the concept of an annuity has been adopted in various environments. This article is going to explain the use of annuities in lawsuits, focusing on structured settlement annuities. What is a Structured Settlement […]
What is a Tax Sheltered Annuity?
The primary purpose of an annuity is to provide a guaranteed source of supplemental income during retirement. The various types of annuities have differing stipulations, but all types provide the benefit of ensuring a reliable stream of income. One such annuity is a tax-sheltered annuity. What is a Tax Sheltered Annuity? A tax-sheltered annuity is […]
