Sentences with phrase «than an annuity offers»

You can get a higher payment than an annuity offers by investing in a portfolio of stocks and bonds.

Not exact matches

Today less than 1 percent of all employer - sponsored plans offer annuities.

«Positive rating actions could occur if the company diversified its product offerings into more creditworthy product lines, resulting in sales growth in products other than fixed indexed annuities,» A.M. Best analysts said.

Less than 1 % of surveyed employer - sponsored retirement plans offer an annuity option.

Among their many benefits, fixed index annuities (FIAs) typically offer greater interest crediting potential than traditional interest crediting products.1

Less than 1 percent of employer - sponsored plans even offer annuities.

Variable annuities offer the opportunity to earn more than the guaranteed payment, depending on the performance of the investments.

Earnings from equity - indexed annuities are usually slightly higher than traditional fixed rate annuities, lower than variable rate annuities but with better downside risk protection than variable annuities usually offer.

Lastly, and quite importantly, they typically offer higher commissions to the distributor (agent, broker, financial adviser) than other annuities.

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.

To do that, you'll want to go through a rigorous retirement - income planning process that starts with thinking seriously about how you'll live in retirement and then moves on to such tasks as making a retirement budget; assessing different strategies for claiming Social Security benefits; considering whether you want more guaranteed income than Social Security alone offers (which is where an annuity might play a role); and, settling on a withdrawal rate that has a reasonable shot at making your savings last as long as you do.

Among their many benefits, fixed index annuities (FIAs) typically offer greater interest crediting potential than traditional interest crediting products.1

Some annuities also offer a cash - refund option, which guarantees that if the payments you've received at the time you die are less than the amount you invested, your beneficiary will receive the difference.

That's because RRIFs offer more flexibility and tax savings than annuities (see the pros and cons of annuities at TSI Network) or a lump - sum withdrawal (which in most cases is a poor retirement investing option, since you'll be taxed on the entire amount in that year as ordinary income).

REALITY: The long - term tax treatment offered by annuities is much more favorable than many believe, and tax - deferred annuities have the added potential to accumulate more than vehicles that may be subject to taxation each year.

For example, states such as Florida and Texas offer asset protection for life insurance and annuities that is more comprehensive than less friendly states like California.

REALITY: Annuities can potentially be more expensive than other investment options, but they also offer a variety of benefits that may be valuable to investors.

However, these annuities typically also offer returns that are no less than a specified minimum, no matter the index's performance.

The annuities that are offered by Genworth are primarily geared towards those who may not be in ideal health, and who could likely benefit from a larger amount of monthly income than they would be able to receive from a traditional, non-medically underwritten immediate annuity.

Fixed Annuities — Fixed annuities will usually pay a fixed rate of return that is higher than what the banks are Annuities — Fixed annuities will usually pay a fixed rate of return that is higher than what the banks are annuities will usually pay a fixed rate of return that is higher than what the banks are offering.

A Variable Annuity offers investors the potential of earning a higher rate of return than a fixed annuity, while also assuming some return risk.

This kind of annuity may offer more growth potential than a fixed annuity, and may be a good option in the lead - up up to retirement, when the risk - reward balance makes sense.

Historically, variable annuities have offered better returns than fixed rate annuities.

That's because RRIFs offer more flexibility and tax savings than annuities or a lump - sum withdrawal.

That's because RRIFs offer more flexibility and tax savings than annuities (see the pros and cons of annuities on TSI Network) or a lump - sum withdrawal (which in most cases is a poor retirement investing option, since you'll be taxed on the entire amount in that year as ordinary income.

«After all, offering an annuity option would involve more complexity than passive investments, and, thus, higher fees, and would require the plan to choose a provider, which itself entails more risk,» the Center says.

Before you do that, though, go to the annuity calculator I mentioned earlier to make sure your plan's annuity offers a payment that's comparable or better than what you can get elsewhere.

The company also offers income annuities, and to date holds more than $ 615 in these products.

A 403 (b) plan is a tax - sheltered annuity (an annuity is a series of regular payments made for more than a year) that is offered to employees by non-profit groups, public schools, and other tax - exempt organizations.

For example, participants whose plans offer a temporary supplemental benefit in addition to an early retirement benefit often receive amounts greater than their straight - life annuity amount.

Some of the confusion may be due to the fact that annuities have greatly improved over the past 10 years, offering more options and benefits than ever before.

It offers the ability to grow principal — and in turn future long term care benefits — by more than the one or two percentage points seen with other fixed interest hybrid annuities.

«In 10 years of analyzing annuities, I've never seen one that was better» than what a pension plan offered its participants directly, he said.

Answer: Those who wish to purchase the annuity from surrender or death benefit of the pension accumulation plan offered by the company then the minimum entry age needs to be less than 50 years and the minimum purchase price can be less than Rs. 1,00,000.

This kind of annuity may offer more growth potential than a fixed annuity, and may be a good option in the lead - up up to retirement, when the risk - reward balance makes sense.

Additionally, indexed life policies typically offer more favorable caps, spreads and participation rates than their fixed - indexed annuity counterparts.

The company also offers income annuities, and to date holds more than $ 615 in these products.

The annuities that are offered by Genworth are primarily geared towards those who may not be in ideal health, and who could likely benefit from a larger amount of monthly income than they would be able to receive from a traditional, non-medically underwritten immediate annuity.

It's worth more than $ 1 billion and offers a plethora of life insurance policies and annuity products.

Most joint - life annuity pension plans offer a much smaller monthly payment than a single - life annuity pension.

Guaranteed, but low returns on pension plans: A pension / annuity plan will offer guaranteed annual returns of 4.5 per cent — just 1 per cent more than the savings deposit rate of 3.5 per cent.