Monday, November 14th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
Many Americans worry that retirement will bring not leisure, but financial hardship. Unfortunately, their fears are valid. More than 25 million Americans aged 60+ are economically insecure, living at or below 250 percent of the federal poverty line.
Maintaining economic security is a real problem to contend with as we age. Social security will only help so much, with the program expected to pay out only 79 percent of benefits by 2034. This leaves a huge shortfall in meeting the retirement income needs of millions upon millions of Americans––a shortfall that will need to be met from individual retirement savings. Read More
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
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
Wednesday, May 1st, 2013 and is filed under Retirement Income Annuities, Uncategorized
In these uncertain economic times, I am here to keep you up to date with the latest and best information on retirement income planning.
Technology enables us to reach a lot of people, but nothing takes the place of meeting our subscribers and listeners in person. That is why we have decided to launch a series of live workshops in the DFW area.
We invite you to attend our free workshop,
“MYTHBUSTERS: Annuity Edition” Read More
Friday, April 19th, 2013 and is filed under Retirement Income Annuities, Uncategorized
New Allianz Life Survey Finds Boomers Ages 55-65 Prefer Protection over Returns, but only One Quarter Currently Own Annuities
MINNEAPOLIS–( )–Despite the market’s recent strength, Transition Boomers, those ages 55 to 65 closing in on retirement, resoundingly said they would protect their retirement savings with a guaranteed return rather than chancing a loss in the market, according to the 2013 Transition Boomers and Retirement Income survey* from Allianz Life Insurance Company of North America (Allianz Life®). Read More
Thursday, March 21st, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos
In this video, Safe Money Talk Radio and AnnuityWatchUSA.com’s Matt Redding explains Wall Street versus Main Street as it pertains to the stock market versus fixed index annuities.
Matt talks about the roller coaster ride of the stock market over the last ten to twelve years and because of the two approximately 50% declines in the market shows how stockholders have little to show for their investments. Read More
Friday, March 1st, 2013 and is filed under Uncategorized
Our recent article, “Is the Federal Government Eying your 401k,” raised awareness—and a few eyebrows––across the blogosphere, social media, and more.
As we suspected, it also raised a lot of questions.
Following are just a few questions we have received regarding this very complicated subject. We will continue to address additional questions as our readers send them. And, as always, you are welcome to give us a call anytime at 972.473.4700 to discuss your specific questions and concerns. Read More
Wednesday, February 13th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos
With interest rates as low as they have been, buying an annuity now that pays a guaranteed 8% compounded rate of return sounds pretty good…on the surface. If you are looking for a guaranteed, static annual income –– that will never grow over time –– one of these plans may be right for you. But, maybe not. Read More
Wednesday, January 30th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos
Find out how a fixed index annuity can solve the 7 biggest retirement fears of the Baby Boomer generation! Safe Money Talk Radio’s fixed index annuity experts, Cathy DeWitt Dunn and Matt Redding discuss the seven biggest retirement fears faced by seniors today…and how a fixed index annuity may be able to help you sleep better at night. Read More
Thursday, January 17th, 2013 and is filed under Retirement Income Annuities, Uncategorized
Part 2 in a series where Safe Money Talk Radio annuity experts Cathy DeWitt Dunn and Matt Redding separate fact from fiction and tell you the truth about annuities.
Continued from “The Truth About Annuities – Part 1”
Myth. The returns on a fixed index annuity are low.
Reality. With a fixed index annuity, the returns are directly tied into an external index’ performance, such as the S&P500. If the market does well, your annuity has the opportunity to do well. If the market is down, your principal is protected against any loss. The amount of interest credited to your annuity account is determined by the crediting method or methods you chose when you first purchase your annuity. You may change crediting methods each year on the anniversary of your contract. Additional details regarding crediting methods are available on our website. Read More