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Types of Annuities: Is Variable or Fixed Index Better?

Thursday, September 28th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities

Of the types of annuities, which is better, the fixed annuity or the variable annuity?As you explore your retirement options, you’ll likely encounter more than a few investment strategies.

Whether you’re close to retirement age or years away from it, making smart decisions at the onset is critical to reaping the most reward when that time comes.

Yet, with so many choices and so much jargon surrounding the industry, it can be difficult to determine exactly which path is the best one for you. From different types of annuities to IRAs and 401(k)s, there’s no shortage of places to put your money — if you can discern which place is best.

That might be why, according to a new survey, Americans revealed they’re less confident about their retirement earnings today than they were just one year ago.

One way to boost that assurance? Learn as much as you can about the choices you’re presented.

So let’s start simple. Read More

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

Annuity Income Riders for Fixed Index Annuities Explained

Thursday, May 8th, 2014 and is filed under Retirement Income Annuities, Uncategorized

Cathy DeWitt Dunn“Consumers are practically bombarded with annuity marketing these days. Retirees need to know a retirement income plan is about much more than a flashy interest rate. Get the facts, and work with an expert who truly understands the nuances of different annuity plans and which plan best fits your retirement income goals.” – Cathy DeWitt Dunn, the Annuity Expert

With about 200,000 Americans retiring each month, and that number increasing as baby boomers age, it’s no wonder annuity advertising has increased sharply in the last few years. Most of that advertising highlights attractive guaranteed interest rates and lifetime income. Though it isn’t usually disclosed in ads, these features come packaged in income riders. In order to understand the real value of these products, you first have to understand the two types of income riders. Read More

Sell stocks in May, then what?

Tuesday, May 21st, 2013 and is filed under Retirement Income Annuities, Uncategorized

by Cathy DeWitt Dunn –

There is a mountain of data showing that the best time to sell stocks is in May and to stay out of the stock market for the following six months. Data shows that the S&P November-April period outperforms the May-October in the past 10, 20, and 50 year periods by over five percentage points on average. 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

During Strong Market Performance, Transition Boomers Still Crave Guarantees

Friday, April 19th, 2013 and is filed under Retirement Income Annuities, Uncategorized

New Allianz Life Survey Finds Boomers Ages 55-65 Prefer Protection over Returns, but only One Quarter Currently Own Annuities

Baby Boomers Crave Guarantees, Not RiskMINNEAPOLIS–(BUSINESS WIRE)–Despite the market’s recent strength, Transition Boomers, those ages 55 to 65 closing in on retirement, resoundingly said they would protect their retirement savings with a guaranteed return rather than chancing a loss in the market, according to the 2013 Transition Boomers and Retirement Income survey* from Allianz Life Insurance Company of North America (Allianz Life®). 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

8% Guaranteed Rate of Return on Income Annuities! Really? [Video]

Wednesday, February 13th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

With interest rates as low as they have been, buying an annuity now that pays a guaranteed 8% compounded rate of return sounds pretty good…on the surface. If you are looking for a guaranteed, static annual income –– that will never grow over time –– one of these plans may be right for you. But, maybe not. Read More