Sentences with phrase «fixed annuities because»
For any of these «transfer of risk» strategies, I recommend using fixed annuities because of the principal protection and the cost effectiveness when compared to variable annuities.
http://www.stantheannuityman.com/ 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.»
Advisors should give fixed indexed annuities (FIAs) a serious look because FIAs offer a compelling story in an era of low bond yields, according to Roger G. Ibbotson, one of the most recognizable names in finance.
Because the policies blend characteristics of variable annuities with those of fixed index annuities, the question is: how to position the products with clients?
Americans for Annuity Protection is committed to fix this rule because it will severely restrict the retirement saver's ability to purchase a guaranteed income annuity to protect assets and livelihood in retirement.
Fixed annuities address some of the worry about volatility because your savings aren't exposed to market fluctuations.
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.
As a long - term saving strategy and a way to balance a retirement portfolio, Fixed Index Annuities (FIAs) are appealing because they transform savings into predictable income.In Part Two of the Myth vs Fact series, the Indexed Annuity Leadership Council debunks more commonly held...
And, because interest credited to a fixed indexed annuity can be determined by a formula linked to a market index, the product offers the opportunity for increased interest over other traditional annuities.
Advisors should give fixed indexed annuities (FIAs) a serious look because FIAs offer a compelling story in an era of low bond yields, according to Roger G. Ibbotson, one of the most recognizable names in finance.
Because those nearing retirement have less time to recover from risk, you might consider incorporating a fixed indexed annuity to help you moderate risk in your financial plan.
Most annuities sold today are deferred annuity products like variable annuities or fixed - indexed annuities because that's what most agents choose to sell.
Legally, they can not offer fixed indexed annuities because they lack the proper licensing.
Deferred annuities (fixed or variable) may be considered the opposite of life insurance because annuities can help you protect against... More
I personally don't use variable annuities because of the ability of a few fixed indexed annuities to earn 80 percent of what the market does plus you are able to have downside protection.
Their performance is linked to the performance of a stock market index, which is often but not always the S&P 500 — Nationwide's New Heights Fixed Indexed Annuities offers the option of linking to a index from Zebra Capital Management, founded by Ibbotson, its chairman and chief investment officer — but the gains are limited because the insurance company bears the risk, and losses are not a factor.
Fixed annuities (not variable annuities) work well under the Stretch IRA guidelines because there is no market volatility, and the IRA asset has a better possibility to be stretched over multiple generations.
Because he considers annuities to be a form of fixed income, he sold fixed - income investments to come up with the cash for the (registered) annuity.
One year I had a client who really didn't want anything to do with the stock market volatility, and because CDs were paying pretty much nothing, I found him a five - year fixed annuity paying 3 %.
Because of the crisis, investors have had a huge interest in annuities both variable and fixed.
Because of the deferral period, you may get a higher income payment amount than you would from a comparable immediate fixed income annuity with the same initial investment.
Because of the dream of market returns, most variable annuities have lower contractual benefits and guarantees than their fixed annuity cousins.
In 1980 it was fixed annuities, because of the double - digit yields.
Having a fixed annuity gives you peace of mind because the income is guaranteed and not projected.
Milevsky argues that even at today's rock - bottom interest rates, annuities should pay more than comparable fixed - income investments because of the built - in mortality credits.
Because Conservative investors are still «investing,» they should have a higher return over most rolling three - year periods than investing 100 % in money market funds, fixed annuities, CDs, and other bank instruments.
Income Riders can be attached to both fixed annuities and variable annuities, but fixed annuities provide a better value because the fees are significantly less.
Fixed annuities have other problems as well: They're not standardized, liquid, nor uniform; and they have expensive bells and whistles (AKA insurance riders) that hardly anyone understands, are seldom used, fail when needed (because they don't perform as advertised when executed, because of the «fine print»), and are rarely worth the money (premiums) paid for them.
Another reason why investors buy fixed annuities, is because they think they're going to lose a lot of principal forever if they buy bonds when interest rates are low (and are about to go up).
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.
Because of the safety of the guarantees in a fixed annuity, it is considered an insurance product and NOT a security.
Deferred fixed annuities are «fixed» because they offer fixed interest rates.
You don't need an annuity to stretch your IRA, but a fixed annuity does work well with this strategy because it fully protects the principal from market volatility, and provides contractual guarantees.