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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

Point to Point Annuity Crediting Method

Wednesday, April 5th, 2017 and is filed under Annuity News, Retirement Income Annuities

The Point to Point Annuity Crediting Method ExplainedA question we hear quite often is, “How does a fixed index annuity make money?” That’s a great question because there are a lot of options available when it comes to how your Fixed Index Annuity will earn money. These options are called crediting methods.

In this article, we will focus our attention on the Point to Point crediting method for fixed index annuities. In upcoming posts, we will discuss the monthly sum and the monthly average crediting methods. 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

Multiple Retirement Accounts – Think Outside the 401k Box.

Wednesday, March 1st, 2017 and is filed under Annuity News, Retirement Income Annuities

Though saving with a 401(K) is easy and you get a tax break, there is also something to the adage that it is possible to have too much of a good thing. Here are three good reasons to think outside the 401k box: Read More

Why is the stock market so high?

Thursday, December 8th, 2016 and is filed under Uncategorized

Why is the stock market so high?The stock market has been riding high as of late, but now may not be the best time to celebrate. There are numerous factors contributing to the stock market highs, so we’ll take a look at a few of them and answer the question, “why is the stock market so high?”

First, we can thank the bond market for the continued rise in the stock market. Bond yields are incredibly low. As of August 1st of 2016, daily treasury yield curve rates were 0.20% for a one-month note, 0.50% for a 1-year note, and 1.06% for a five-year note. What these low rates do is make stock dividends look more appealing. The average dividend for the S&P 500 stock index is around 2.1% which is almost double the percentage on a five-year treasury note. Therefore, investors are fleeing bonds and flocking to stocks as they seek higher returns. Read More

Fixed Index Annuities’ Top 5 Myths, Debunked

Monday, November 14th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Fixed Index Annuities' Top 5 Myths, DebunkedMany 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

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

Nationwide New Heights® Fixed Indexed Annuities

Wednesday, March 16th, 2016 and is filed under Annuity News, Retirement Income Annuities, Videos

Nationwide New Heights Fixed Indexed AnnuitiesIntroducing Nationwide New Heights® fixed indexed annuities featuring the J.P. Morgan MOZAIC℠ Index – an innovative new annuity product that delivers growth potential in a variety of market environments. One of the most attractive features of the New Heights FIAs is that they are not capped, which sets them apart from most traditional indexed annuities. Renowned fixed annuity expert, Richard Kado, said in a recent interview on Safe Money Talk Radio that, “my starting point in terms of the designs that I prefer are uncapped designs.”

The following video delves into the nuts and bolts of the Nationwide New Heights® fixed indexed annuities. As you watch, just remember, that we are only a phone call away at (855) MY-AWUSA – (855) 692-9872 or (972) 473-4700. Read More

The Evolution of Fixed Index Annuities

Monday, May 4th, 2015 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Evolution of Fixed Indexed Annuities (FIAs)In the world of retirement planning, Fixed Index Annuities or FIAs have grown up and weathered the storms of adolescence to become a well rounded and stable retirement income choice. A look at the history of these retirement income vehicles provide some key insights to how they have evolved to answer the income, growth, and legacy planning needs of millions of Americans. Read on to find out more about the beginnings of FIAs. Read More