Thursday, May 18th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities
So 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
Wednesday, May 3rd, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized
As 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
Monday, April 17th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities
In 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
Wednesday, April 5th, 2017 and is filed under Annuity News, Retirement Income Annuities
A 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
Monday, March 13th, 2017 and is filed under Annuity News, Retirement Income Annuities
In 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
Friday, April 17th, 2015 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized
Curious about how you can beat the odds when it comes to enjoying a safe and secure retirement future? Join Cathy next Thursday, April 23rd as she peels back the curtain on growth and income strategies outside those you’ll find in a typical brokerage house. Read More
Saturday, August 2nd, 2014 and is filed under Annuity News, Retirement Income Annuities
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Saturday, February 22nd, 2014 and is filed under Retirement Income Annuities, Uncategorized
There’s no question that finance is traditionally a male-dominated industry. Though the number of female financial professionals has increased dramatically over the last several years, there is a lingering sense among many female consumers that they are not part of the club when it comes to fully understanding and controlling their finances.
A recent study conducted by Prudential on women’s financial attitudes and behaviors highlights several areas in which women feel they are not financially empowered. In fact, the study reports as few as 22% of women feel well-qualified to make financial decisions, and the majority of women are not working with a financial advisor. Read More
Monday, July 8th, 2013 and is filed under Uncategorized
Working with annuity experts –– like us here at Annuity Watch USA –– can make a huge difference when it comes to how much income you’ll enjoy in retirement.
When most people are thinking about retirement, they typically miss the mark on two key points…longevity risk and inflation. That’s why we recently collaborated with an actuary to develop a planning tool that can help you see retirement income in a whole new way. Read More
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