Sentences with phrase «guaranteed income your assets»

Use Blueprint Income's QLAC Quote Tool to see how much guaranteed income your assets can buy today.

Use Blueprint Income's SPIA Quote Tool to see how much guaranteed income your assets can buy today.

Use Blueprint Income's DIA Quote Tool to see how much guaranteed income your assets can buy today.

Not exact matches

That will involve diversifying assets away from the company and planning how to invest them to guarantee yourself the income stream you want at retirement.

There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.

With proper charitable planning advice, you might be able to remove the asset from your taxable estate, receive a substantial, immediate tax deduction, and even guarantee income protection.

It allows for tax - deferred growth of assets, and can help provide guaranteed retirement income for life.

According to Morningstar Annuity Research Center, variable annuity annual fees range widely, from 0.10 % to 2.25 %, with an industry average of 1.25 %.4, 5 Of course, you will pay more if you need to address a specific risk with a guarantee, such as a guaranteed living benefit, which provides income or asset protection from down markets.

An income annuity may be the right choice for you if you have a need for guaranteed lifetime income; you know your retirement expenses won't be covered by other income sources, such as Social Security; and you have assets outside of the annuity to cover unexpected expenses.

If tapping home equity is only a temporary solution to bridge the gap until you start to draw down your retirement assets or start receiving guaranteed income payments, consider applying for a home equity line of credit while you're still employed and more likely to qualify for the best rates.

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.

Americans for Asset Protection is a 501 (c) 4 non-profit organization advocating for consumers» rights to an effectively regulated insurance marketplace for annuities, life insurance and long term care fostering financial independence through guaranteed income.

John W. Homer, president of Oxford Financial Group, suggests that older clients with liquid assets and a desire to reduce estate taxes may want to consider buying a guaranteed income annuity partnered up with a life insurance policy...

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

A securitized bond is a bond that is «guaranteed» by a specific asset or income stream, instead of by a company.

Similarly, if your nest egg is large enough so that your chances of running through it in your lifetime are very low or negligible, then you also may not need any type of guaranteed income beyond Social Security, in which case you simply may not have to devote any of your assets to a longevity annuity or an immediate annuity.

Personal loans are easier to obtain for poor credit or low - income consumers because they can be unsecured, which means that repayment is guaranteed only by your promise to repay, and not by a physical asset like a house or car.

But if you're confident that you can handle your spending needs with Social Security and draws from your retirement accounts but you want some extra assurance that you'll have sufficient income later in life — or you feel that income guaranteed to kick in in the future will give you more flexibility about your spending early 0n — then devoting a small portion of your assets to a longevity annuity is probably the better way to go.

If you reach a point in your retirement where a guaranteed stream of income is a more important priority than investment flexibility, you can transfer some or all of your RRIF assets to an insurance company to purchase an annuity, while still maintaining the tax sheltered nature of the assets.

Closing Costs Guaranteed means that AHC Lending's Processing and Underwriting fees (if applicable) for your loan application will not change between the time your rate is locked and the time you close, assuming the following: No change in your loan amount, property value, property type, occupancy purpose, interest rate, lender credit or discount points, credit rating, any stated items on your application, such as your income, assets, job history, address history, legal residency status, or any other factor that may affect the underwriting decision of the loan you applied for do not change.

Having a portion of your recurring spending met through guaranteed income sources not only helps minimize the risk of running out of assets but also allows you to focus on living the lifestyle that you want in retirement.

Well, when you invest a portion of your savings in an immediate annuity, you are converting assets into monthly income guaranteed to last as long as you live.

You'll probably end up with less guaranteed income (or a smaller stash of assets) using this tactic than had your company offered a partial lump sum - and - annuity option.

Unsecured loans require a considerable business income and credit score because the whole firm acts as a guarantee instead of a specific asset.

Naked option NASD NASDAQ National Association of Securities Dealers National exchanges National Market System National Medallion Signature Guarantee National Securities Clearing Cooperation (NSCC) National securities exchange NAV Negotiable Negotiated market Negotiated underwriting Net Asset Value Net capital Net capital ratio Net interest cost Net investment income Net revenue pledge Net proceeds Net worth New issue Nine - bond rule NMS No - load fund Nominal quote Nominal yield Non-cumulative Nonparticipating preferred stock Nonrecourse loan Non-systematic risk Non-tax-qualified annuity Notice of public offering Notice of sale NYSE NYSE Composite Index

A guaranteed income annuity3 is another option to consider if you're interested in converting your assets to income.

To create the guaranteed income stream, the assets invested in your annuity are permanently transferred to an insurance company.

Fixed annuities earn a guaranteed † rate of return over the life of the contract, and offer contract owners the predictability of a guaranteed income stream and a way to grow assets without exposure to market volatility.

The main problem is that it does not only leave a negative stain on your credit report but it also reduced your assets that could guarantee a loan and your income which is another guarantee for lenders.

With proper charitable planning advice, you might be able to remove the asset from your taxable estate, receive a substantial, immediate tax deduction, and even guarantee income protection.

Stocks are for anyone looking to invest in a specific company or companies, anyone looking for growth or dividend income in his or her portfolio, and anyone with a higher risk tolerance for investing in assets that fluctuate in value and are not guaranteed.

Looking for a way to convert your hard - earned assets into a reliable, consistent, and guaranteed income stream when you retire?

Our annuities provide the opportunity to grow your assets over time and / or guarantee your income for retirement.

Whether purchased with your qualified or non-qualified savings, a DIA turns your assets into guaranteed income for life.

The income producing asset (the mortgage) is the collateral that is being put up to guarantee this loan.

Normally invests at least 80 % of its net assets in a diversified portfolio of fixed income securities that are issued or guaranteed by the U.S. Government, its agencies or government - sponsored enterprises and derivatives designed to replicate such securities.

Make sure you build a plan that provides guaranteed income for the rest of your life, even if the rest of your assets go to zero.

Interesting series CF. I thought most Western European countries have assured pension income and guaranteed medical, so with these two covered, I wonder why so much of income generating assets are needed, other than of course for discretionary expenses.

Investing so you have capital appreciation potential as well as a stream of guaranteed income will help give you some assurance that you won't outlive your assets.

Strategy: This fund is primarily invested in fixed income securities issued or guaranteed by the U.S. Government, its agencies, or instrumentalities, and corporate debt instruments, including but not limited to asset - backed and mortgage - backed securities rated not less than Baa3 / BBB - by two or more nationally recognized rating services.

As explained by Voya, the Lifetime Income Strategy provides participants with a personalized asset - allocation strategy that helps build up retirement savings, followed by an income benefit for life that is guaranteed by multiple insIncome Strategy provides participants with a personalized asset - allocation strategy that helps build up retirement savings, followed by an income benefit for life that is guaranteed by multiple insincome benefit for life that is guaranteed by multiple insurers.

Today's FIAs offer a range of features and benefits that protect your savings from any and all market loss, provide guaranteed lifetime income, and allow you to provide the remaining assets in your account to your designated beneficiaries.

However, for the 30,000 low income Canadians who file a bankruptcy each year, who have no assets to sell or whose wages are too require an income based payment, a trustee asks for fees up front in the form of a «fee guarantee» and are paid over and above any money collected in a debtor's estate realization such as an income tax refund.

Investing a portion of your assets in an immediate annuity can provide additional guaranteed lifetime income, giving you more flexibility for making withdrawals from savings.

Guaranteed Income Turn your assets into a steady stream of income payments that will last for as long as you want, or as long as youIncome Turn your assets into a steady stream of income payments that will last for as long as you want, or as long as youincome payments that will last for as long as you want, or as long as you live.

But don't assume that there's some magic formula or withdrawal rate that can generate the income you need while guaranteeing you won't run short on savings or end up with more assets than you need at the end of your life.

However I would put more emphasis on the income as most assets are not guaranteed to go up.

Just because an individual has assets and income does not guarantee they will use those assets and income to pay back the loan.

There is no guarantee any particular asset allocation or investment strategy will meet your goals or provide a set level of income.

The point is that when you're investing in assets like stocks and bonds, there's no guarantee that you'll be able to maintain a particular target rate of monthly income as long as you live.