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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

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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

This Week in Annuity News ~ Ending Aug. 2, 2014

Saturday, August 2nd, 2014 and is filed under Annuity News, Retirement Income Annuities

Latest Annuity News

Fixed Index Annuities can be a Perfect Fit for Women

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

A Fresh Look at Retirement

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

Safe Money and Annuities

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

Don’t Miss the “MYTHBUSTERS: Annuity Edition” Workshop in DFW May 7 & 9

Wednesday, May 1st, 2013 and is filed under Retirement Income Annuities, Uncategorized

In these uncertain economic times, I am here to keep you up to date with the latest and best information on retirement income planning.

Technology enables us to reach a lot of people, but nothing takes the place of meeting our subscribers and listeners in person. That is why we have decided to launch a series of live workshops in the DFW area.

We invite you to attend our free workshop,

“MYTHBUSTERS:  Annuity EditionRead More

Obama Budget Caps IRAs at $3 Million

Thursday, April 11th, 2013 and is filed under Retirement Income Annuities, Uncategorized

It is being reported by The Hill, U.S. News, Bloomberg and other reputable news sources that President Obama’s soon to be released budget proposes a $3 million “limit” to the amount an individual  can put aside in tax deferred retirement savings like 401Ks and IRAs.

In a recent article posted on The Hill titled, “Obama budget to take aim at wealthy IRAs“, a senior administration official stated, “wealthy taxpayers can currently ‘accumulate many millions of dollars in these accounts, substantially more than is needed to fund reasonable levels of retirement saving.'” Let that sink in for a moment, “substantially more than is needed to fund reasonable levels of retirement saving.” Read More

Wall Street Vs Main Street [Video]

Thursday, March 21st, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

In this video, Safe Money Talk Radio and’s Matt Redding explains Wall Street versus Main Street as it pertains to the stock market versus fixed index annuities.

Matt talks about the roller coaster ride of the stock market over the last ten to twelve years and because of the two approximately 50% declines in the market shows how stockholders have little to show for their investments. Read More

Say Goodbye to the 4% Rule

Monday, March 11th, 2013 and is filed under Retirement Income Annuities, Uncategorized

Say Goodbye to the 4% Rule for RetirementConventional wisdom says it’s safe to rely on income drawn from your brokerage account during retirement. Most Advisors will tell you that you can safely withdraw 4% per year and never run out of money.  In fact, the “4% Rule” as it is called, has been the standard in retirement income planning for decades. The problem is that in today’s financial world, the rules have changed. Read More