Equity Index Annuities: For the Pre-Retired and Retirees
Choosing equity index annuities can have many advantages as you approach your retirement. You have two conflicting concerns: growth of principal and safety of principal and you know that more growth usually means less safety. For many people, equity indexed annuities provide the right balance of both. As deferred annuities, equity index annuities are a tax-deferred investment contract. As your [...]
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Traditional or Equity Index Annuities – Which is Better?
The nice part about a traditional fixed annuity is that the insurance company guarantees its return and a constant payout upon annuitization. But with a long retirement ahead (most retirees live 20-30 years in retirement), you?ll need some inflation protection to offset the fixed payout. Equity indexed annuities are a very complex investment but they can provide what you need. [...]
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Equity Indexed Annuities Attract More Scrutiny for Investor Protection
Understanding an investment and its costs can protect you from making an unsuitable choice. An equity-indexed annuities are a complex investment that retirees should thoroughly understand before they buy. The Security & Exchange Commission (SEC) says the public ? especially seniors ? require more awareness about how equity indexed annuities really work and the costs they carry. Equity indexed annuities [...]
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How to Make the Most of Maturing Equity Indexed Annuities
Did you invest in equity-indexed annuities a few years back? If you bought one seven years ago, the maturity date may be approaching fast, and you might only have a small window of time to decide whether to renew the annuity or place your money elsewhere. You are likely feeling very fortunate having made a guaranteed investment given what has [...]
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Can Equity Indexed Annuities Meet Your Expectations?
Fixed annuities assure your income based on current interest rates which are rather low. You may not want to lock yourself into 3.5% for several years. Going through a long retirement horizon, you may want to think about relying on the markets to improve you annuity income. Equity-indexed annuities offers that possibility but you must understand how they work. Equity-indexed [...]
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