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U.S. News & World Report – Fixed Annuities Versus Bonds

February 07, 2017

Here’s an excerpt from a recent U.S. News & World Report article by Rebecca Lake outlining the pros and cons of fixed annuities compared to bonds for producing retirement income. “Fixed annuities and bonds are designed to help investors fill income gaps in their retirement plan. When ranking pre-retirees’ biggest investment stressors, running out of… Read more

Rising Annuity Rates Benefit Retirement Portfolios, AnnuityAdvantage Data Reveals

February 01, 2017

A good substitute for bonds and CDs, offering safe income without most of their drawbacks MEDFORD, OR–(Marketwired – February 01, 2017) – Annuity rates have gone up a bit recently, according to AnnuityAdvantage’s database of 290 fixed annuities from 35 insurers. They currently pay up to 3.40 percent for a 10-year annuity, up to 3.15… Read more

stopwatch on top of money
U.S. News & World Report – Deferred Income Annuity Options

December 21, 2016

Here is a snippet from a very good U.S. News & World Report article by Jeff Brown on Deferred Income Annuities, also called Longevity Annuities. “Imagine if you could set aside $125,000 in retirement savings and have it produce more than $60,000 in annual income. Ordinarily it would take a lifetime of investing gains to… Read more

2016 Barron’s Top 50 Annuities

June 29, 2016

The following are excerpts from a Barron’s article titled, “Top 50 Annuities for 2016,” by Karen Hube. AnnuityAdvantage.com is referenced as a Source for the article. Barron’s compiled a list of 50 of the most competitive, top-rated annuities as of the start of this month. We looked for products with high payouts or rates and… Read more

Tax Sheltered Annuities (TSAs)

February 12, 2016

A Tax Sheltered Annuity, also called a TSA or 403(b), is a retirement plan offered by public schools and certain 501(c)(3) tax-exempt nonprofit organizations. Section 403(b) of the Internal Revenue Code allows employees to save for their retirement by making pre-tax contributions, up to a pre-defined annual limit, to individual accounts. Employee contributions are usually… Read more

Annuity Education: CD Annuities Explained

February 12, 2016

What are CD annuities? That is a very interesting question with an even more interesting answer. The fact of the matter is that there really is no such thing as a CD annuity. A certificate of deposit (CD) is issued by a bank, whereas an annuity is issued by an insurance company. Why then do… Read more

Best IRA Rates with Fixed Annuities

February 06, 2016

Most investors want to maximize the value of their individual retirement account (IRA) not only for their own financial needs, but also for their surviving loved ones. These accounts were created to provide a tax favored way of saving for and increasing the long-term growth of one’s retirement savings. Many IRA owners incorrectly believe that… Read more

Life Annuities – An Annuity That Guarantees a Lifetime Income

February 05, 2016

If you are retired or nearing retirement, a life annuity should be a retirement income strategy that you give serious consideration. Life annuities are essentially a Single Premium Immediate Annuity (SPIA) with a lifetime payment option. They provide a dependable and secure stream of income payments that are guaranteed to continue for the rest of… Read more

401k Rollover Options when Retiring or Changing Jobs

February 05, 2016

When you change jobs or retire, you’ll face one of the most important financial decisions you will ever need to make: what do I do with my company retirement plan or 401k account? If you make the wrong decision, the IRS could take 20-30% of your retirement account balance. The amount you’ve saved in your company’s… Read more

Bonds vs Fixed Annuities

February 05, 2016

A bond is an investment that is essentially an I.O.U. issued by a corporation or government agency, where the issuing entity borrows funds from an investor for a specified period of time, commonly 10 to 30 years. A return is earned when the issuing entity pays interest on the bond, typically at a fixed rate… Read more