Jane — As a former RIA I decided to move ALL my clients out of the rigged stock market in March of 2000 and into
Equity Indexed annuities for the sole purpose of protecting their investments.
Not exact matches
Equity indexed annuities are,
for most people, not a great idea.
Prior to that, he served as head of quantitative
equity for ING Investment Management, (doing business as Voya Investment Management May 1, 2014), building and developing the group and managing more than $ 20 billion in assets with 15 global active,
index and enhanced
index strategies
for pension funds, variable
annuities and mutual funds.
Equity indexed annuities [EIAs] are tricky to design an investment strategy
for.
Finally,
equity -
indexed annuities often carry steep surrender charges, though some insurers waive them
for medical reasons or other emergency expenses.
Equity -
indexed annuities are relatively complex investments and not appropriate
for novice or unsophisticated investors.
An
equity indexed annuity is an insurance product offered by insurance companies that,
for exchange of your money, will link the performance of your
annuity to some type of underlying market
index like the S&P 500, Dow Jones, Gold, etc..
Over the last few years a few very creative insurance agents have come up with names
for fixed
indexed annuities (or
equity indexed annuities) in order to make the public believe they had the «magic bullet»
annuity.
I used to run a reasonably large options hedging program
for a large writer of
Equity Indexed Annuities [EIAs].
Equity -
indexed annuities are sold with the promise of nirvana
for investors; i.e., some or all of «market returns» without the...
For investment purposes, we offer tax - deferred fixed
annuity investments,
equity -
indexed annuity plans, immediate (income generating)
annuities, guaranteed income riders, structured settlements, and structured sale accounts.
The performance of
indexed annuities, also referred to as
equity -
indexed or fixed -
indexed annuities, is tied to an
index (
for example, the Standard & Poor's 500 *).
Fixed
Indexed Annuities with Income Rider
Equity Indexed Annuities (also called Fixed
Index Annuities) are a fixed
annuity structure with an attached income rider that can be used
for «target date» income planning.
: An Insurance Puzzle,» Geneva Papers on Risk and Insurance Theory, June 2003; Michael Braun and Alexander Muermann, «The Impact of Regret on the Demand
for Insurance,» Journal of Risk and Insurance, December 2004; Peng Chen, Roger G. Ibbotson, Moshe A. Milevsky and Kevin X. Zhu, «Human Capital, Asset Allocation, and Life Insurance,» Financial Analysts Journal, January / February 2006; and Craig McCann and Dengpan Luo, «An Overview of
Equity -
Indexed Annuities,» Securities Litigation & Consulting Group, February 2006.
People who buy
equity index annuities are looking
for a safe investment that allows them to defer income taxes on the interest they earn.
While once upon a time there were few reasons to purchase a deferred
annuity besides the preferential tax - deferral treatment, since the early 2000s
annuities has been increasingly popular
for their guaranteed living benefit riders, along with enhanced death benefit, unique investment features (in the case of certain
equity -
indexed annuities), or outright superior fixed income yields (with some fixed
annuities).
(
For more on this, read
equity -
indexed annuities:
indexing methods explained.)