Annuities
Annuities – what they are, how they work and how to choose the best type of Annuity
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The Truth about Annuities — And How to Make Them a Lifelong Stream of Income
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Learn Whether a Traditional Annuity or an Income Rider is Best for You
Retirees and near-retirees are clamoring for more guaranteed lifetime income. But to optimize that income, they first have to sort through the different options and some heavy-handed marketing efforts. There are two basic paths to consider for guaranteed lifetime income. One path is traditional annuities. When you want income to start within the next 12 […]
Lifetime Income through Annuities: Everything a Retiree Should Know
There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). An income rider simply is a feature that you add to the annuity contract. Remember that in a […]
7 Reasons Not to Buy an Annuity
Annuity purchases soared the last couple of years, yet only a small percentage of retirees and near-retirees own or consider annuities. That goes against the advice of many economists and actuaries, who say that most people should include annuities in their retirement portfolios. Some financial advisors and media personalities say annuities never should be purchased. […]
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How to Customize Annuities To Maximize Your Retirement Income
Higher interest rates are making annuities more popular than ever, but misunderstandings keep many people from taking advantage of annuities. Insurers have been dealing with waves of applications as yields on multi-year guaranteed annuities (MYGAs) leapt to 3%, 4% and then above 5%. Let’s look at the misunderstandings that keep people from the benefits of […]
How to Customize Annuities
Higher interest rates are making annuities more popular than ever, but misun- derstandings keep many people from taking advan- tage of annuities. Insurers have been dealing with waves of applications as yields on multi- year guaranteed annuities (MYGAs) leapt to 3%, 4% and then above 5%. Let’s look at the misunderstandings that keep people from […]
Lifetime Income Through Annuities: Everything a Retiree Should Know
There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). An income rider simply is a feature that you add to the annuity contract. Remember that in a […]
What You Need to Know About Annuity Income Riders
There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). I’ve discussed these in past issues of Retirement Watch and in my Spotlight Series online seminars. This month, […]
