May 17, 2012

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Educational Source for Annuities & Expert Advice

Annuities have come to the forefront as an asset allocation of choice for securing retirements during these turbulent financial times. While there are numerous investment choices, they do not fully answer these fundamental retirement questions:
Annuities, however, can answer each of the following questions; How can I…
  • know that no matter how long I live, I will never run out of money?
  • have certainty that no matter how bad the economy is, I will never run out of money?
  • be certain that if I predecease my spouse, he or she will never run out of money?
  • set up my own self-directed pension that I control and own?
  • protect my principal with no loss through a financial crisis?
  • grow my nest egg to keep up with or beat inflation?
  • have safety and beat what banks offer by earning higher interest?
  • benefit during an up stock market and suffer no loss in a down stock market?
  • keep my money growing without paying tax as it grows?
  • reposition my IRA, 401K, 403B, 457, etc. for safety, growth and income?
  • avoid probate and get any unused portion of my nest egg directly to my heirs?
  • give my heirs a tax-advantaged or tax-free income stream for their retirement?

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Explore over 100 web pages on annuities! Learn from author & site editor Dick Van Dyke.

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See current examples of Hybrid  Annuities and a wide variety of different types we have over 2750 annuities in our rate vault database.

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Retirement Planning

It is no accident that annuities are now in the mainstream of foundational conservative retirement planning. However, it is also no secret that bias and half truths are rampant in the financial industry. For many years, annuities have been pushed to the side by the investment industry promoting diversification through a multitude of securities that are risk-oriented investments.

Now that most investors have experienced the 2008-2009 Great Recession/crisis first-hand, the fallacy of relying on diversified market risk during or near retirement proved to be foolhardy. Currently with the prospect of a volatile and potentially down or flat economy for the next decade or two, the advantages of annuities are all too obvious. Hindsight, as we say, is always 20/20!

This site has detailed answers to all of the questions above. After you have completed your research compare annuity rates and make certain that you use current annuity rates when deciding which annuity is best. Eventually, when you are informed and ready to allocate a portion of your assets into an annuity, you will need to work with a state-licensed planner or insurance agent. This is the only way you can legally place your money into an annuity. We do screen and recommend independent licensed financial planner/educators who agree to adhere to our strict code of ethics and standards. We also require each licensed financial professional to go through a seven-year background check for your protection.

Annuity CalculatorsFixed Annuity Calculator

Annuity calculators can assist you in your research towards a very secure, tax deferred investment. They can help with calculations on guaranteed minimum interest rates or projected higher potential earnings. These calculations show no tax due on any earnings until they are withdrawn from the account. Use these annuity calculators such as the fixed annuity calculator, variable annuity calculator or immediate annuity calculator to help you determine how annuities might fit into your retirement plan. Also take advantage of the retirement planning calculator and the retirement shortfall calculator.

Annuities – Are they Safe?

How Safe Are Annuities? Safety of money is generally relative to comparing levels of risk between Government backed, insurance backed or individual investment risk. In regard to non-variable fixed annuities: State Regulation forces insurance companies to follow what is known as Statutory Accounting unlike generally acceptable accounting methods (GAAP) utilized by publicly owned corporations. Statutory accounting is a show me the money type of accounting whereby expenses are written off … [Read More...]

Hybrid Annuities

Should You consider Hybrid Annuities or Hybrid Income Annuities. Hybrid annuity refers to a combination of several unique aspects of various annuities that have been combined to create a new type of annuity. What is being referred to as a Hybrid annuity is actually in most cases a Fixed Index Annuity with one of the newer more innovative income riders. Many times these annuities are only partially explained leaving the prospective client either believing that it is too good to be true … [Read More...]

Immediate Annuity Information

Introduction to an Immediate Life Annuity... This is the most fundamental, pure form of an annuity. It dates back a couple of thousand years and it is what we today call an immediate life annuity. Essentially, the way an immediate life annuity works is by paying a lump sum of money in exchange for an income stream based on a lifetime repetitive income stream. In essence, you are purchasing a guaranteed stream of income. . With a lifetime immediate annuity, the insurance institution … [Read More...]

Best Fixed Index Annuities

Fixed Index Annuities: Finding the Best One It is important to know that first and foremost, a fixed index annuity is essentially a fixed annuity with an optional or an extra feature. And, in addition to having a fixed interest rate choice, you may annually choose an optional interest crediting method that uses an external market index to determine interest to be applied after a specified term of typically one year. The best fixed index annuity is like finding the best car. It is impossible to … [Read More...]

Best Variable Annuities

Variable Annuities: Finding the Best One Variable annuities have been understood as the annuity class that has the highest potential for gain. Conversely, it is also the annuity class that has the greatest risk of loss. This has been painfully apparent with market returns over the last 10 or so years as a result of the bear market of 2000 through 2003 and the financial crisis of 2008 through 2010. As a result, variable annuities have generally lagged behind bank CDs, fixed annuities and fixed … [Read More...]