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Annuity Payout Rates

Friday, June 2nd, 2017 and is filed under Annuity News, Retirement Income Annuities

Annuity Payout Rates Explained by Annuity Watch USAIn our last article, we talked about growth guarantees that help maximize the income value of Fixed Index Annuities. With income in mind, let’s shift our focus to annuity payout rates.

One of the most important things to look for when considering the purchase of a fixed index annuity is the annuity payout rate. Why? The payout rate is the #1 key to maximizing your retirement income potential. So, you’ll want to get a solid grasp on the concept of payout rates, but if you have any questions that are not answered in this article, please contact us for more info and we’ll be glad to help. Read More

Retirement Annuity Crediting Methods – Monthly Sum

Monday, April 17th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Retirement Annuity Crediting Method - Monthly SumIn our series on retirement annuities, we have previously covered the four types of annuities, fixed index annuity basics, principal protection, and one of the types of annuity crediting methods – the point to point annuity crediting method. In this article, we will discuss another crediting method called monthly point to point, which is also known as monthly sum crediting. Read More

What’s Wrong with Annuities?

Thursday, August 20th, 2015 and is filed under Annuity News, Retirement Income Annuities

What's wrong with annuities?Let’s just get it out in the open. Annuities have a reputation for being the bad boys of the investment world. And, not in a good, Marlon Brando kind of way. For many, the word “annuity” conjures up visions of evil insurance agents lurking around every corner ready to pounce on little old ladies and their pension funds.

It’s really a shame that annuities have such a bad rap because not all annuities are created equal. And, given the recent market volatility that has done a number on many people’s retirement savings, fixed index annuities deserve a good hard look. Read More

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

This Week in Annuity News

Saturday, September 13th, 2014 and is filed under Annuity News

Latest Annuity News

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This Week in Annuity News ~ Ending Aug. 16, 2014

Saturday, August 16th, 2014 and is filed under Annuity News

Latest Annuity News

This Week in Annuity News ~ Ending Aug. 2, 2014

Saturday, August 2nd, 2014 and is filed under Annuity News, Retirement Income Annuities

Latest Annuity News

This Week in Annuity News ~ Ending July 5, 2014

Saturday, July 5th, 2014 and is filed under Annuity News, Retirement Income Annuities

Latest Annuity News

Fixed Index Annuities Vindicated

Tuesday, December 3rd, 2013 and is filed under Retirement Income Annuities, Uncategorized

Over the years, annuities have gotten a bad rap in the investment world (see “Annuities: The bad boys of the investment world?”). The trouble is some of the most vocal critics of annuities, specifically of Fixed Index Annuities, either misunderstand or misrepresent how the plans work. As a result, a lot of misinformation has found its way into the media and has been adopted as fact by many mainstream financial professionals.

A recent article, “Real-World Index Annuity Returns,” seeks to dispel two major misconceptions about FIAs and set the record straight as to how they stack up against other financial products. Read More

Fixed Index Annuities are the new Bond Alternative

Friday, August 30th, 2013 and is filed under Retirement Income Annuities, Uncategorized

When you purchase a bond, you are lending money to an issuer that is usually a government, municipality, corporation, or federal agency. In return for that money, the issuer promises to pay a specified rate of interest periodically during the life of the bond and to repay the face value of the bond when it comes due. Bond maturities can be short term (0-5 years), medium term (5-12 years), or long term (greater than 12 years). Read More