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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

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

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

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

What You Don’t Know About Equity Indexed Annuities Could Hurt You

Monday, April 28th, 2014 and is filed under Retirement Income Annuities, Uncategorized

In the past couple of decades, annuities have become more popular with financial advisors and retirees for retirement planning. In many cases, annuities can be a valued part of a well-diversified portfolio. However, there are also many characteristics of annuities that can make them undesirable or even hurtful in retirement planning. Annuities have evolved from simple pension replacement plans and CD alternative types of investments to include complicated investment vehicles that many advisors claim to deliver gains regardless of market performance. Often, it’s the claim of market returns without risk of loss that draws the prospective investor in for a closer look. Read More