Lesson in Indexed Annuities Part 4

Part 1 Part 2 Part 3 Our last blog post in the series on indexed annuities covered many common terms that are found in the annuity contracts. We’ve touched on the indexing methods insurance companies use to determine how interest is credited to the annuity account, and in today’s article we will go much deeper. … Continue reading Lesson in Indexed Annuities Part 4

Lesson in Indexed Annuities Part 3

In previous blog posts in our continuing series on indexed annuities, we’ve spoken about what an indexed annuity is, how it works, and some of the advantages of this retirement planning account over other financial strategies. Our last article covered some of the major features of indexed annuities and how interest formulas are used to … Continue reading Lesson in Indexed Annuities Part 3

Lesson in Indexed Annuities Part 2

In the first installment of our blog series on indexed annuities, we introduced the concept of these financial instruments. Our first lesson revolved around how they work, how account holders may choose to invest in them, and the different types of indexed annuities available to those planning for retirement. In this part of our series, … Continue reading Lesson in Indexed Annuities Part 2

Lesson in Indexed Annuities Part 1

As we plan for our retirements, there are many financial instruments at our disposal. In addition to savings plans, employer‐matched retirement savings programs, and Individual Retirement Accounts (IRAs), annuities are a great option. There are several types of annuities; here, we’ll discuss indexed annuities and the factors influencing them. View the full presentation here. What … Continue reading Lesson in Indexed Annuities Part 1

Annuities vs. Certificates of Deposit

One of the most oversold and underperforming financial vehicles in America is the Certificate of Deposit or commonly called the CD.  The CD has become a popular investment tool for many American’s due to its slightly higher rates than many bank savings accounts.  In addition, many older Americans put their savings into CD’s because they … Continue reading Annuities vs. Certificates of Deposit

Immediate Annuities

One vital strategy involving retirement planning income is including immediate annuities.  Often called an income or payout annuity, these retirement income streams are a mirror image of a life insurance policy.  As a life insurance policy pays a lump-sum amount upon death after regular monthly payments are given from the insured to the insurer, an … Continue reading Immediate Annuities