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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

Annuity Principal Protection Explained

Monday, March 27th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

If you are like most investors, your retirement portfolio suffered big losses during the market crashes of 2000 and 2008, and you are looking for a solution that will help you avoid ever losing money like that again.

Stock market volatility drove investors to seek safety in principal protected investments. One of the most popular principal protected investments is the fixed index annuity. Read More

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

Four Types of Annuities

Wednesday, March 8th, 2017 and is filed under Annuity News, Retirement Income Annuities

Four Types of AnnuitiesBefore we delve into the four types of annuities, let’s start with a simple question:  What is an Annuity?

An Annuity is simply an insurance product that guarantees income – usually during your retirement years, but can also be used to meet other long-range goals. An annuity may be purchased with either a single payment or a series of payments or contributions. Then the insurance company is obligated to make regular payment to you either immediately or at a scheduled date in the future.

There are four different types of annuities. At Annuity Watch USA, we specialize in fixed index annuities, and when you understand the basics of each type, you will see how fixed index annuities stand out above the rest. So, let’s start by taking a look at each of the four types of annuities. Read More

DOL Fiduciary Rule and Annuities – In Your Best Interest

Monday, January 16th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

DOL Fiduciary Rule and AnnuitiesIt’s Time…You have done your due diligence and you’re ready to choose a Financial Professional to help you purchase an annuity with some or all the money you have saved in your retirement account – now what? Well one thing to remember is that, beginning April 2017, a new “Best Interest Contract” (BIC) exemption takes effect. This fiduciary level of care means your Financial Advisor must act in their client’s best interests and disclose any conflict of interest (like your doctor or attorney). Firms are allowed to continue to accept commissions and shared revenue as long as they commit to this exemption. Read More

How do annuities make money?

Monday, December 26th, 2016 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

How do annuities make money?Annuities are popular retirement planning vehicles where a large principal payment is held with an insurance company in exchange for regular sums paid out over a predetermined period of time. With their focus on steady income generation, fixed annuities can be a very valuable component to a retirement portfolio. A fixed index annuity is a twist on this traditional style; in addition to earning a baseline fixed interest rate over a fixed term with principal guarantees, alternative also includes a market-based growth component to annuity earnings. Thus, along with the base contract rate agreed upon in an annuity contract, these insurance products can also earn extra value when the market performs well. By tracking indices like the S&P 500, a fixed index annuity can provide more earning potential when times are good, and will earn the minimum guaranteed rate––without risking principal––should market downturns occur. Read More

Fixed Annuity Sales Soar in 2016

Tuesday, September 20th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Fixed Annuity Sales Up in 2016Whether it’s on your mind or a far-away concept, retirement is somewhere on the horizon. Even if you plan to work forever or would rather not plan for a situation you can’t foresee with certainty, there’s no telling what the future will have in store.

Perhaps that’s why more and more Americans are taking the time and energy to save for the possibility of a comfortable life after employment. Fixed index annuities, in particular, are on the rise, with figures over 30% higher at of the end of Q2 2016 than they were just a year prior. With over $16.2 billion in total quarterly sales, one thing is certain: pre-retirees and retirees are increasingly uncovering the value in what a fixed index annuity has to offer. 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

Richard Kado on Safe Money Talk Radio Part 2

Monday, March 14th, 2016 and is filed under Annuity News, Retirement Income Annuities, Videos

Richard KadoRichard Kado joins Cathy in this exciting episode of Safe Money Talk Radio. Richard is the President of Genesis Financial and has been a major influence on fixed index annuity products since their inception. Richard has also worked closely with Annexus to develop innovative fixed income products such as the BalancedChoice Athene Annuity and the Nationwide New Heights Fixed Indexed Annuities. Listen in as Safe Money Talk Radio Host, Cathy DeWitt Dunn interviews fixed indexed annuity expert, Richard Kado. Read More

Is Phased Retirement Becoming the New Norm?

Thursday, December 17th, 2015 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Phased RetirementDespite the initial interest in joining the workforce that comes with a new college degree and what seems like endless possibility, it all has to come to an end eventually. As decades of work pass, many people come to look forward to retirement, relishing in the idea of enough free time to travel, volunteer, and take up new hobbies. Historically, retirement has been a single event in which a traditional job is abandoned and a new period begins, but today, many people are easing into retirement slowly, reducing hours and time commitments while adapting into a new lifestyle. This transition, known as phased retirement, is growing in popularity across the world, providing a way to test the waters of retirement. Read More