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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

Compare the Best Annuity Companies

Friday, July 7th, 2017 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Compare the Best Annuity CompaniesWhen considering buying an annuity, one thing you’ll certainly want to keep in mind is that an annuity product guarantee is only as good as the financial strength and claims-paying ability of the issuing insurance company. Therefore, you will want to compare the best annuity companies and take great care when choosing an annuity provider.

At Annuity Watch USA, we fully understand your need to research annuity providers, so we’ve put together some great tools to help you compare annuity companies and make the best choice possible for your annuity purchase. Read More

Our 7 Point Retirement Planning Checklist Has You Covered

Friday, June 16th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Videos

Do you have a retirement planning checklist that is up-to-date? Unfortunately, most people don’t, and what’s worse, they don’t even have a retirement plan in the first place. Here is our 7-point retirement planning checklist: Read More

Inflation-Protected Annuity Q&A with Cathy DeWitt Dunn on U.S. News & World Report

Tuesday, April 25th, 2017 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Inflation Protected AnnuityWith people living longer and spending an average of 18 years in retirement, inflation has the potential to wreak havoc on your retirement plans unless precautions are taken.

Let’s say for illustration purposes, that your current monthly expenses are $3,000 a month. Did you know that in 10 short years, your monthly expense will top $4,000 a month based on a 3% annual inflation rate? In 18 years, that same $3,000 a month expenses will exceed a staggering $5,100 a month after adjusting for inflation. If you are one of the many who spend 25 years in retirement, your expenses will more than double, topping $6,200 after calculating for inflation. Read More

About Annuities – 7 Things You Need to Know

Wednesday, June 15th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

About Annuities - 7 Things You Need to KnowWith the constant threat of stock market volatility, more and more people are looking for safety when it comes to a retirement income stream. Annuities can provide that safety. So let’s take a look at seven things you need to know about annuities and consider whether or not they make sense for your retirement income needs. 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

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

Inflation-Protected Income Analysis

Monday, April 22nd, 2013 and is filed under Retirement Income Annuities, Uncategorized

The Fed says not to worry about inflation but … The Fed doesn’t live on fixed income

With the market booming…then dropping mid-April 2013…there has been plenty to talk about regarding how best to take advantage of market highs while protecting against market lows. However, with so many fixated on market performance, fears about inflation have seemingly dropped off the “let’s all worry about this” radar. Read 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

The Truth About Annuities – Part 2

Thursday, January 17th, 2013 and is filed under Retirement Income Annuities, Uncategorized

Part 2 in a series where Safe Money Talk Radio annuity experts Cathy DeWitt Dunn and Matt Redding separate fact from fiction and tell you the truth about annuities.

Continued from “The Truth About Annuities – Part 1

Myth. The returns on a fixed index annuity are low.

Reality.  With a fixed index annuity, the returns are directly tied into an external index’ performance, such as the S&P500. If the market does well, your annuity has the opportunity to do well. If the market is down, your principal is protected against any loss. The amount of interest credited to your annuity account is determined by the crediting method or methods you chose when you first purchase your annuity. You may change crediting methods each year on the anniversary of your contract. Additional details regarding crediting methods are available on our website. Read More