What Do I Need to Know About Annuities?
The goal of Annuity Watch USA is to educate the public on how annuities really work. This site dispels myths, explores nuances in annuity products and explains how annuities add to your retirement portfolio in plain English. We have provided a wealth of information, but every person’s financial situation is unique, so we always encourage those with specific questions to set up an appointment with one of our annuity experts.
Learn About Annuities
The 4% Withdrawal Rule: How Fixed Index Annuities Can Help You Beat Retirement’s Oldest Rule of Thumb
Want to learn how to beat the 4% Withdrawal Rule? Read to find out how FIAs can help you capitalize on gains as you approach retirement.
Growth and Income Annuities
Growth and income annuities can help you prepare for the retirement lifestyle that you really want. Some financial advisors may tell you that you will spend less money in retirement […]
What is a fixed index annuity?
Learn what a fixed index annuity is and how it can transform your life after retirement.
The Evolution & History of Fixed Index Annuities
A look at the history of fixed index annuities as retirement income vehicles provides some key insights to how they have evolved to answer the income, growth, and legacy planning […]
Four Types of 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 – […]
Is Variable or Fixed Index Better?
Determine exactly which retirement path is the best one for you. Read more…
Creating a Market Protection Strategy with Fixed Index Annuities
Learn more about deferred annuities, annuity advantages, and whether or not a 401k rollover is the right decision for you.
Choosing an Annuity – Making the Right Decision
If you are one of millions of Americans who are choosing an annuity to buy, don’t feel overwhelmed. There are thousands of websites you could visit to help sort things […]
Buying an Annuity: A How-To Guide
You’ve heard us talk about annuities on the radio, but how do you go about buying an annuity when you are ready? If you are retired or planning for retirement, […]
Annuity vs 401k – Income as the Outcome
Relying on a 401(k) as a main source of retirement income is sort of like buying a Smart Car to pull your boat. When planning for retirement, success depends on […]
How Does a 401k Rollover to an Annuity Work
Learn more about deferred annuities, annuity advantages, and whether or not a 401k rollover is the right decision for you.
403b Retirement Plan Options for Teachers
Are you contributing to a 403b retirement plan? Take control of your retirement by moving your money into a fixed index annuity. Learn more…
Let’s Talk: Fixed Index Annuity 101
When you invest in fixed index annuities, you can take advantage of the ups and downs in the market. Learn more about fixed index annuities…
Annuity Principal Protection Explained
One of the most popular principal protected investments is the fixed index annuity. In this article, we will give you an inside look how fixed index annuities protect your principal and allow you to lock in market index gains.
Bull vs. Bear: Protect Your Retirement
Do you know how to protect your retirement? Here are three strategies you can use to protect your retirement portfolio from crashing in a bear market.
What Insurance Company Ratings Actually Mean – Choosing an Annuity Investment
Before making a significant investment, we recommend researching the financial strength ratings of an insurance company. Read more:
Compare the Best Annuity Companies
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 […]
Annuity Payout Rates
In our last article, we talked about growth guarantees that help maximize the income value of Fixed Index Annuities (FIA). With income in mind, let’s shift our focus to annuity […]
Annuity Growth Rate Guarantees
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 […]
Inflation-Protected Annuity Q&A with Cathy DeWitt Dunn on U.S. News & World Report
With 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 […]
Retirement Annuity Crediting Methods – Monthly Sum
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 […]
Point to Point Annuity Crediting Method
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 […]
The Annuity Basics, Understanding the FIA
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 […]
DOL Fiduciary Rule and Annuities – In Your Best Interest
It’s Time…You have done your due diligence and you’re ready to choose a Financial Professional to help you purchase an annuity with some or all the money you have saved […]
How do annuities make money?
Annuities are popular retirement planning vehicles where a large principal payment is held with an insurance company in exchange for regular sums paid out over a predetermined period of time. […]
Fixed Index Annuity Myths: Debunked
Many Americans worry that retirement will bring not leisure, but financial hardship. Unfortunately, their fears are valid. More than 25 million Americans aged 60+ are economically insecure, living at or […]
Fixed Annuity Sales Soar in 2016
Whether it’s on your mind or a far-away concept, retirement is somewhere on the horizon. Even if you plan to work forever or would rather not plan for a situation […]
What You Need to Know About Annuities
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 […]
J.P. Morgan MOZAIC Index – Fixed Index Annuity
Consistent, steady growth in a variety of market environments Since it was established in 2009, the J.P. Morgan MOZAIC Index has delivered a 69% higher return than the S&P 500. The Nationwide New […]
How do Fixed Index Annuities Make Money?
With fixed index annuities, your money earns interest based on any positive changes to an external index, such as the S&P 500, over a set period of time. If the […]
3 Annuity Questions Answered
As millions of American move swiftly into their senior years, their focus turns to their financial condition and how to continue to live out their remaining years in relatively the […]
What’s Wrong with Annuities?
Let’s just get it out in the open. Annuities have a reputation for being the bad boys of the investment world. And, not in a good, Marlon Brando kind of […]
Innovative New Annuity Products Hitting the Market
Planning for retirement can be a confusing and stressful process, from the limitless array of investments available to complex end-of-life decisions. Making the choices that will be right for you […]
3 Income Annuity Questions That Matter Most
With a seemingly endless parade of insurers offering a never-ending selection of annuities, shopping for income annuities can be a daunting process. Many baby boomers planning for retirement become overwhelmed […]
Questions to Ask BEFORE Buying An Annuity
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 […]
Should I buy an income annuity?
Investors closing in on retirement and looking to secure future income would do well to explore deferred income annuities. Indeed many are, as sales of these products are accelerating. On […]
Power-Up Annuities for Steady Retirement Cash Flow
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 […]
Taking the Hybrid Annuity Road
Security. Flexibility. Growth. In the world of retirement savings, vehicles with these features can be pure gold. Hybrid annuities feature each of these elements, and may be the antidote to […]
Can a 7% Annuity Outperform an 8% Annuity?
It may sound like a trick question, but the answer is simple. An account earning 8% simple interest earns less over time than an account earning 7% compound interest. A […]
5-Year Fixed Annuity at 3.35 Percent
Frustrated by money sitting around earning next to nothing? Thank goodness there’s now a smarter, short term 5-year option that beats the performance rates of money markets, CDs, and more! […]
Real Estate Indexed Annuities
A real estate indexed annuity is a unique product that is tied to the Dow Jones Real Estate Index. The Dow Jones U.S. Real Estate Index includes Real Estate Investment […]
QLACs Beat the Longevity Conundrum. And the IRS
Longer life expectancy and more years spent in retirement are two realities confronting the baby boom generation—and generations beyond. But longevity can be a mixed blessing. Saving and preserving a […]
The Annuity Cap Explained
The annuity cap can be a bit confusing. Is it annually? Is it monthly? How does it work?
Annuity Income Riders for Fixed Index Annuities Explained
“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 […]
What You Don’t Know About Equity Indexed Annuities Could Hurt You
In the past couple of decades, annuities have become more popular with financial advisors and retirees for retirement planning. In many cases, annuities can be a valued part of a […]
Annuities as Income
If you are thinking about retirement, about to retire, or you’re retired and are concerned about your future finances, let me ask you a question. Suppose your rich uncle just […]
Understanding Fixed Index Annuities
A fixed index annuity (FIA) is a contract between you and an insurance company designed to help you achieve your long-term retirement goals. In exchange for your premium payment, the […]
Understanding Immediate Annuities
Immediate annuities are the simplest type of annuities. You give the insurance company a sum of money, the premium, and they give you a payout each month for the rest […]
Understanding Fixed Annuities
Let’s clear up misconceptions and make understanding fixed annuities easier. A fixed annuity is a contract between you and an insurance company. You pay the insurance company a premium that […]
Understanding annuities is not difficult once you understand that there are multiple types of annuities. There are essentially four major types of annuities – immediate, fixed, variable, and fixed indexed […]
Safe Money and Annuities
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 […]
Sell stocks in May, then what?
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. […]
8% Guaranteed Rate of Return on Income Annuities! Really? [Video]
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 […]
A Fixed Index Annuity Solves the 7 Biggest Retirement Fears (Video)
Find out how a fixed index annuity can solve the 7 biggest retirement fears of the Baby Boomer generation! Safe Money Talk Radio’s fixed index annuity experts, Cathy DeWitt Dunn […]
No to Variable Annuities Says Suze Orman
Financial advisor, author, motivational speaker and television host Suze Orman shares her dislike of variable annuities in this short video. At AnnuityWatchUSA.com, we agree.
The Truth About Annuities – Part 2
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 […]
The Truth About Annuities – Part 1
Myth. Annuities are very complicated to understand and own. Reality. The concept of a fixed index annuity is very simple. In return for a lump sum purchase of an annuity […]
Should I Buy an Annuity?
On our Safe Money Talk Radio Show, we are often asked “should I buy an annuity?” However, we cannot answer with certainly until we know more about you and your […]
The Modern Day Annuity
The financial world has changed, no question. And, when it comes to annuities, this is a great thing! Insurance companies have listened to what consumers are truly looking for and […]
How a 62-year old Texan met his retirement income goal with just $500K
I recently came across a post on a large national newspaper’s blog talking about how investors should focus on generating cash flow during their retirement years. This makes a lot of […]
Inflation Indexed Annuity – Don’t Let Inflation Bite Into Your Retirement Income
Regardless of whether you’re retiring tomorrow or ten years from now, inflation can take a toll on your retirement nest egg. Don’t be part of the majority of people who […]
The Biggest Retirement Planning Myth for Baby Boomers
While some financial advisors may tell you that you’ll probably be spending less money in retirement than what you’re spending now, we don’t believe it. We think this is a myth…and we want […]
The Annuity Revolution – A portfolio approach to income, growth, and liquidity
A fixed index annuity is the only asset in the world that provides a contractually guaranteed lifetime income. A bond can’t do this. A Certificate of Deposit can’t do this. […]
How to Protect Against Stock Market Loss
We have all heard stories from our parents or grandparents about forgoing bank accounts and sticking money under the mattress during the economic nightmare that was the Great Depression. Now, […]
Top 10 reasons not to buy a fixed index annuity
For over 25 years David Letterman’s Top 10 lists have consistently proven to get some good laughs about topics of the day. Now, Cathy and Matt turn the top 10 […]
Baby Boomer Longevity and the Fixed Index Annuity
Safe Money Talk Radio’s Cathy DeWitt Dunn explains the advantages of a fixed index annuity for the Baby Boomer generation. Free Annuity Educational Videos As baby boomers plan their retirement, […]
Annuity with 8% Compounded Rate of return! Guaranteed!
Guaranteed annuity? Not so fast… 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 […]
Don’t Settle for Just an Income Annuity
Annuities come in all shapes and sizes…and “lifetime income” is just part of the story. And, here’s a dirty little annuity secret: there’s a steep price to pay for that […]
59 1/2 – The Magic Age for Retirement Income Planning
When most people hit the magic age of 59 ½, retirement is just a few years away… and it’s time to get serious about putting a plan in place that […]
Annuity Myths and Facts
At Annuity Watch USA, we specialize in helping individuals and families understand various retirement income planning options that can help them create a more secure feature. One great option is […]
Learn About Annuities
To discuss whether a fixed income annuity may be an appropriate solution, contact us today. Let us do the work of navigating through the many companies and products that are out […]
Is an Annuity Right for Me?
A question that we hear quite often around here is, “Is and annuity right for me?” That’s also a question we talk about in great depth each week on our […]
Questions to Ask When Considering Fixed Index Annuities
As with all retirement income planning solutions, there are pros and cons to fixed index annuities. In order to protect yourself, it’s important to know what to look for when […]
Focus on cash flow during retirement
I recently came across a post on a large national newspaper’s blog talking about how investors should focus on generating cash flow during their retirement years. This makes a lot […]