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Fixed Index Annuity Basics

Monday, March 13th, 2017 and is filed under Annuity News, Retirement Income Annuities

Fixed Index AnnuitiesIn a recent blog, we explained the four different types of annuities where one of those four was the fixed index annuity. Now we’ll take a closer look at the features of Fixed Index Annuities to illustrate why we believe the fixed index is the better choice over the other types of annuities.

When looking at the different kinds of investment vehicles and plans that are available, we can put them into two basic groups: those that risk your principal, and “safe money” options that protect it.

The traditional investments most of us know about fall into the group that put our principal at risk: stocks, mutual funds, real estate, commodities, and so on.

On the other side of the equation, we have what we call “safe money” plans, where our principal is guaranteed from loss. Read More

About Annuities – 7 Things You Need to Know

Wednesday, June 15th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

About Annuities - 7 Things You Need to KnowWith the constant threat of stock market volatility, more and more people are looking for safety when it comes to a retirement income stream. Annuities can provide that safety. So let’s take a look at seven things you need to know about annuities and consider whether or not they make sense for your retirement income needs. Read More

3 Annuity Questions Answered

Friday, October 2nd, 2015 and is filed under Annuity News, Retirement Income Annuities

Annuity Questions AnsweredAs millions of American move swiftly into their senior years, their focus turns to their financial condition and how to continue to live out their remaining years in relatively the same lifestyle as that to which they have previously enjoyed. This situation is compounded by the fact that, as a nation, we are living longer than earlier generations. Better healthcare and nutrition have extended most of our lives by years–if not decades. According to a study cited by USA Today in 2014, the average remaining lifespan for a U.S. citizen who was 65 years of age in 2012 is another 19.3 years. In many cases, Social Security alone will not provide enough annual income for a married senior couple to live on in the future.

One of the financial instruments that many people use to supply life-long retirement income is called an annuity. In combination with other savings vehicles, annuities help form the foundation for a well balanced, long-term financial plan. Read More

Annuity Income Riders for Fixed Index Annuities Explained

Thursday, May 8th, 2014 and is filed under Retirement Income Annuities, Uncategorized

Cathy DeWitt Dunn“Consumers are practically bombarded with annuity marketing these days. Retirees need to know a retirement income plan is about much more than a flashy interest rate. Get the facts, and work with an expert who truly understands the nuances of different annuity plans and which plan best fits your retirement income goals.” – Cathy DeWitt Dunn, the Annuity Expert

With about 200,000 Americans retiring each month, and that number increasing as baby boomers age, it’s no wonder annuity advertising has increased sharply in the last few years. Most of that advertising highlights attractive guaranteed interest rates and lifetime income. Though it isn’t usually disclosed in ads, these features come packaged in income riders. In order to understand the real value of these products, you first have to understand the two types of income riders. Read More

Safe Money and Annuities

Thursday, June 27th, 2013 and is filed under Retirement Income Annuities, Uncategorized

In a recent article by Scott Burns titled “Best place for ‘safe money’ may be in CD-like annuities“, a reader had emailed the following question.

“My wife and I are in our late 50s, so we certainly do not want to be 100 percent in stock funds. Our 401(k)s do not allow us to purchase individual bonds that we can hold to maturity, and the money market option pays next to nothing. What is a person to do?” Read More