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Power-Up Annuities for Steady Retirement Cash Flow

Monday, October 6th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Annuities for Retirement Cash FlowOutliving retirement savings. That’s what many retirees—and those approaching the retirement ranks—cite as their number one fear. Generating reliable streams of retirement income used to be a straightforward process, one with little deviation. Investors would assemble a balanced portfolio of stocks and bonds (in the tried and true 60/40 stock-bond ratio) and withdraw four percent per year. These withdrawals would supplement income streams from social security, pensions, part time employment, and other investments such as rental property.

But that doesn’t work anymore. Read More

Can a 7% Annuity Outperform an 8% Annuity?

Thursday, September 18th, 2014 and is filed under Annuity News, Retirement Income Annuities

Albert Einstein on Compound InterestIt may sound like a trick question, but the answer is simple.

An account earning 8% simple interest earns less over time than an account earning 7% compound interest. A popular hybrid annuity advertises an 8% minimum guaranteed simple interest rate, but the savvy consumer will recognize the better value lies in another strategy with a 7% compounded minimum interest rate. Read More