During eight five-year periods starting in 1997 through 2004, data shows that the FIAs (Fixed Indexed Annuities) looked at offered an average annualized return of 4.19% to 9.19%, with no negative years. By contrast, an investor in the S&P500 would have seen four positive five-year periods and four negative ones.
Making The Case for Fixed Indexed Annuities
By Kerry Pechter Tue, Aug 24, 2010
Retirement Income Journal
Read the rest of the article... click on the link below:
http://retirementincomejournal.com/issue/august-25-2010/article/making-the-case-for-fixed-indexed-annuities
Wednesday, August 25, 2010
Is an Annuity Right for Me?
In the past, annuities were considered investments only for people nearing retirement. But today, annuities can be smart investments for people of all ages. Remember, an annuity can be invested in a variety of different investment instruments, offering everything from modest to fast capital growth alternatives. The following are good uses for annuities:
1. You need a higher interest-rate alternative to Certificates of Deposit(CDs) and money market funds
2. You want to make your long-term savings grow faster without current taxation.
3. You need to save more for retirement, but you have "maxed out" your IRA and 401(k) or 403(b).
4. You need to roll over (reinvest) existing tax-deferred savings, like pension plans.
5. You need to guarantee yourself an income for the rest of your life.
6. You need to guarantee yourself an income for the rest of your life and your spouse’s life.
7. For purchasers of a special type of annuity called an Equity Index Annuity, You want to protect your "principal" with a guaranteed rate of return while investing in the equity markets.
1. You need a higher interest-rate alternative to Certificates of Deposit(CDs) and money market funds
2. You want to make your long-term savings grow faster without current taxation.
3. You need to save more for retirement, but you have "maxed out" your IRA and 401(k) or 403(b).
4. You need to roll over (reinvest) existing tax-deferred savings, like pension plans.
5. You need to guarantee yourself an income for the rest of your life.
6. You need to guarantee yourself an income for the rest of your life and your spouse’s life.
7. For purchasers of a special type of annuity called an Equity Index Annuity, You want to protect your "principal" with a guaranteed rate of return while investing in the equity markets.
Wednesday, August 18, 2010
TOP TEN REASONS YOU DON’T NEED A LIFETIME ANNUITY
10. You still live at home and your parents have yet to cut-off your allowance annuity.
9. You grow your own food, make your own clothes, and barter for other needs.
8. You have extremely successful adult children who gave you a platinum American Express card for Christmas with a $100,000 credit limit.
7. You worked in Congress for a year and are now guaranteed that salary for the rest of your life.
6. Your closest friends refer to you as “The Donald.”
5. Your new money manager has promised you that everything is back to “normal” and he will earn you 8% annually, after inflation, for as long as you live.
4 You just received a life sentence without parole and feel confident in the stability of our prison system.
3. Your trust fund could feed a small country.
2. You live in a warm area, wear shorts and flip flops, eat wild nuts and berries and know you can live on Social Security’s after-tax $12,000/year.
AND, THE NUMBER ONE REASON YOU DON’T NEED A LIFETIME ANNUITY
1. You thought money trees were a joke until you found one in your back yard!!
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