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Annuity Growth Rate Guarantees

Thursday, May 18th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Annuity Growth Rate GuaranteesSo far in our series on retirement annuities, we have discussed many aspects of annuities, especially the fixed index annuity. We have covered the four types of annuities, fixed index annuity basics, principal protection, and multiple annuity crediting methods including point to point, monthly sum, and monthly average. Next, in our series, we will discuss annuity growth rate guarantees.

Over the past several years we have seen the stock market go pretty much all over the map…everywhere from 50% downturns to record highs…and everywhere in between. And who knows where it’s going to go next?! Read More

Retirement Annuity Monthly Average Crediting Method

Wednesday, May 3rd, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized

Monthly Average Crediting Method for Fixed Index AnnuitiesAs we continue our series on retirement annuities, we will now explore another crediting method which is called monthly point to point, also known as monthly average crediting.

As a reminder, there are three types of market index crediting methods used in Fixed Index Annuities – Point to Point, Monthly Sum, and Monthly Average. Your contract may have variations of one, or all three available for you to choose from.

In monthly average crediting, the insurance company records the value of the index you’ve chosen to track once each month. This snapshot of the index is taken on the day-of-the-month your contract was issued. At the end of the contract year, they take an average of the monthly values, and then compare it against the index’s value seen at the beginning of the contract year. 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

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

Buying an Annuity: A How-To Guide

Monday, December 19th, 2016 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized

The Process of Buying an AnnuityIf you are retired or planning for retirement, you may have learned that transferring the burden of generating lifetime income and managing market risk to an insurance company makes a lot of sense. Peace of mind and guaranteed retirement income come through the purchase of an annuity.

But which type of annuity is right for you? Which company should you trust your hard-earned retirement money to? Who has the highest returns with the best income payouts? Where do you even start? 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

401(k)s Now Have Annuity Options

Thursday, March 12th, 2015 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

401k Annuity Options401(k)s Now Have Annuity Options: Protection for Your Investment

In October of 2014, the United States Treasury Department issued guidelines that are meant to encourage employers to enable employees to contribute part of their 401(k)s to a deferred annuity. These guidelines were put in place in an effort to help future retirees and current retirees protect their savings. By placing 401(k) contributions into a deferred annuity, retirees are providing a type of security to their hard earned money. This money is available to retirees long after retirement whereas without this additional protection, a retiree may outlive his or her money. Read More

3 Income Annuity Questions That Matter Most

Monday, February 9th, 2015 and is filed under Annuity News, Retirement Income Annuities

Income Annuity QuestionsWith a seemingly endless parade of insurers offering a never-ending selection of annuities, shopping for income annuities can be a daunting process. Many baby boomers planning for retirement become overwhelmed and succumb to pressure to buy an annuity that pays less than a competitive amount. Potentially leaving money on the table leaves retirees with feelings of apprehension, which is the exact opposite of why most people buy annuities––for the peace-of-mind they can offer.

There is no reason a retiree should ever find themselves in this position. By asking three straightforward questions, annuity purchasers may assure themselves that they are getting the best deal possible. Read More

5-Year Fixed Annuity at 3.35 Percent

Wednesday, September 17th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Frustrated by money sitting around earning next to nothing? Thank goodness there’s now a smarter, short term 5-year option that beats the performance rates of money markets, CDs, and more!

Earn better returns: 3.35% versus ~1% from a CD

Unlock the interest. Unlike a CD, you can take the interest to live on without penalty. Choose either monthly or annual distributions after the 1st year. Read More