Thursday, September 28th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities
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
Friday, July 7th, 2017 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
When 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
Wednesday, March 8th, 2017 and is filed under Annuity News, Retirement Income Annuities
Before 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
Monday, December 19th, 2016 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Uncategorized
If you are retired or planning for retirement, you may have learned that transferring the burden of generating lifetime income and managing market risk to an insurance company makes a lot of sense. Peace of mind and guaranteed retirement income come through the purchase of an annuity.
But which type of annuity is right for you? Which company should you trust your hard-earned retirement money to? Who has the highest returns with the best income payouts? Where do you even start? Read More
Wednesday, June 15th, 2016 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
With 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
Wednesday, February 10th, 2016 and is filed under Retirement Income Annuities, Uncategorized
In preparing for retirement, especially when the end of your career seems a long way off, it’s easy to put your planning aside for another day. For many individuals, however, retirement often sneaks up faster than anticipated, and starting the planning process too late in the game can have dire consequences. Whether you’re a few years from retirement or just entering the workforce, make sure to avoid these seven retirement planning mistakes. Read More
Monday, May 4th, 2015 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
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
Monday, December 8th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
Choosing the right annuity to help support your retirement income needs can be confusing and a little intimidating especially when so many different kinds of annuities offer such a dizzying variety of contracts. To help simplify the process, here are six questions to ask before buying an annuity, regardless of whether it is variable, fixed, or indexed:
1. Should you put your money in an annuity or something else like a mutual fund? Read More
Tuesday, October 21st, 2014 and is filed under Financial Planning Tips, Retirement Income Annuities, Uncategorized
Retirement planning is evolving and not what it was just 20 short years ago. Retirement income sources that were once viewed as rock-solid, such as social security and pensions, are now considered shaky at best. Individuals must think differently when it comes to planning for the future and the major shift in thinking is towards personal responsibility. Read More
Monday, October 6th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized
Outliving retirement savings. That’s what many retirees—and those approaching the retirement ranks—cite as their number one fear. Generating reliable streams of retirement income used to be a straightforward process, one with little deviation. Investors would assemble a balanced portfolio of stocks and bonds (in the tried and true 60/40 stock-bond ratio) and withdraw four percent per year. These withdrawals would supplement income streams from social security, pensions, part time employment, and other investments such as rental property.
But that doesn’t work anymore. Read More