Sentences with phrase «so fixed annuities»

So fixed annuities are the investment vehicle that results in you being more «stuck» than just about any other.

Not exact matches

The final DOL regulation «unfairly targets certain types of fixed annuity products, making it harder for Americans to purchase fixed indexed annuities when it is in their best interest to do so,» he said, adding that «this legal challenge is necessary because the rule creates an unworkable standard for independent agents and insurance companies and goes far beyond DOL's authority.»

So, the writer says, this is an unusual and bit artificial time of low returns and along with all low returns, low returns in immediate pay fixed annuity.

The fixed indexed annuity he recommended also provides a guaranteed lifetime income, so there's no risk of outliving your earnings.

With a fixed annuity you pay no taxes on your earnings while they accumulate, so your money may grow faster until it's time to start income.

The article proceeds to destroy one of the most popular products in the so called «model» for 401 (k) plans, the fixed - index annuity.

So they're selling this person a fixed annuity.

So, «are T - bills safer than an indexed fixed annuity when you take into consideration the debt our government has?

60 Minutes recently re-aired a story about 401 (k) s and the fact that so many nearing retirement age are actually are putting off their retirement because their 401 (k) investments have faltered due to market volatility... In response to this segment, an article in Inside Tucson Business outlines some alternatives to 401 (k) investments including self - directed IRAs and Fixed Indexed Annuities.

Earnings from both fixed and variable annuities are tax deferred, so you don't owe any taxes on them until you take annuity payments at the annuity starting date or if you take distributions before that.

As for the idea of using a single premium fixed annuity for part of your retirement, while I am not so much opposed to this I would urge folks to shop very very carefully here.

Fixed annuities» benefits and features vary, so it's important to work with a financial professional to choose a fixed annuity that suits your individual objectFixed annuities» benefits and features vary, so it's important to work with a financial professional to choose a fixed annuity that suits your individual objectfixed annuity that suits your individual objectives.

I have options before and at that time so I will be interested in any future information on why annuities are recommended and what type (fixed or variable)

An annuity is a financial arrangement whereby you are paid a fixed sum every so often for a period of time.

So, instead of a variable annuity, where they were paying fees and their money was at risk in the market, they now have a fixed indexed annuity with no fees.

Jay: The key is that with the high fees paid, there won't be many resets and so we are essentially talking about a fixed annuity.

So what's driving people to buy fixed annuities, in particular?

So, like CDs, fixed annuities are insured, but remember that insurance companies are less stable than the FDIC.

If so, I use a specific fixed indexed annuity that offers a contractual 4 % annual compounding death benefit to offset the annual RMD withdrawal amount.

You could build a TIPS bond ladder to cover your income to age 70 or so and then purchase a fixed annuity.

Other options include buying an annuity with some of your retirement savings (a fixed annuity can give you guaranteed income for life — unlike stocks and bonds, which can go up or down unpredictably), investing in real estate, setting up passive income sources (see the previous section for more on this), picking up part - ownership in a small business, and so on.

So you started out with a plain vanilla fixed annuity that yielded 6.9 % (if you had $ 400k instead of $ 113,457, then this yield is really only 1.9 %).

Inflation is a force of nature that will never stop, so if your fixed annuity is funding a large portion of your living expenses, unless you have other resources; then eventually it's probably going to be back to, «Do you want fries with that?»

So if all of this is a reason why you were considering fixed annuities instead of bond mutual funds, then just don't do that, and you'll be much better off.

Fixed annuities paid well too (and still do), but investors wanted to participate in the stock, bond, and international markets via variable subaccounts, so that's what was sold.

So if you're a consumer / investor and your «financial planner» has any of these letters after their name, then you can count on hearing all about how you need to load up on way too much whole life insurance (AKA Variable Universal Life), and / or fixed or variable annuities.

So if you buy a fixed annuity, realized you failed, and then want to get out of it soon after you buy it, over a third of your money could just vanish for no good reason.

The numbers below ignore all of them, so it's all just a «straight vanilla fixed annuity» with the three riders explained below.

So no matter how you look at it, if you use cold hard logic combined with facts, contracts, and math, then there's little to no reason to buy fixed annuities (then variable annuities are much worse).

These numbers match the contributions on the Investment Comparison demo, so you can easily compare fixed annuities to other methods of investing.

So you should be just as mad when this happens with fixed annuities.

This is so, even if there are significant accounts holding nothing but, or mostly, cash, short - term municipal bonds, fixed annuities, or rental real estate.

So when you see fixed annuities advertised everywhere and talked about by everyone, it's not because «they're on sale» or are a good deal now.

So if you combine the cost of these two needed insurance contracts to insure for these two huge risks, which are 100 % certain to happen, you're making around 20 % to 25 % less spendable income in a fixed annuity than with American Funds.

So if you buy insurance coverage for both of these bad things that ARE GUARANTEED TO HAPPEN (inflation and losing everything when you die) on a 3 % fixed annuity, the actual yield on the amount you wrote the check out for could be lower than 1 % (or up to two thirds less than advertised).

Forethought Life Insurance Company quickly expanded its product offerings, and in 2006, the company brought on board fixed annuities — which allowed it to offer consumers with the ability to both save for retirement, as well as to receive a guaranteed lifetime income — something that retirees have top - of - mind, as so many people are living longer lives today.

Fixed annuities are categorized as a life insurance product, so a life insurance license is all that is needed to solicit and sell these types of strategies.