Free Annuity Rates Comparison Free Start
Home Annuities Compare Annuity Rates Find A Professional Contact Us

Blogs By Advisors

Home »
Fixed Annuities vs Mutual Funds

For many consumers the decision to invest can be a difficult one. With so many options available, so many banks and corporations offering investment terms, the process can be such a headache many will simply not invest. This however would be a huge mistake, investments are for everyone and for the right investor the payoff can be huge.
Fixed Annuities vs Variable Annuities: Is it worth the risk?

Annuities are a popular way both to invest and to save for retirement. The idea behind an annuity is that by combining a life insurance policy with investment advantages and tax deferred status, you arrive at a singularly effective savings vehicle. However, annuities are not always the risk free, guaranteed financial products they are perceived to be. There are different types of annuities and they carry with them different potential advantages, and disadvantages.

The two basic types of annuities are fixed and variable annuities. Let’s take a look at each of them in brief:
Fixed Annuities vs CDs: Which is the Better Investment Option?

The financial crisis of 2008 has resulted in many investors moving their money into pure cash and cash-like instruments such as money market accounts and funds. Many investors have become much more conservative in their asset allocation methods after the stock market crash of September - October 2008. This is understandable, since times of financial and economic uncertainty bring forth preservation instincts.

Fixed Annuities
Fixed Retirement Annuities

Fixed retirement annuities are in many ways like investing in CDs. They pay guaranteed rates, in many cases higher than CD rates, and they provide convenient, predictable payments. While this stable, dependable source of income may be ideal for some retirees, it may not be ideal for everyone.
Best fixed annuity rates

In the wake of the terrible financial crises of the last few years, investors have become more acutely aware of the advantages offered by the rare investment annuities, which offer both guaranteed principal and interest rates. When the market is in free fall, these rates offered by annuities are still guaranteed. For anyone searching for the best fixed annuity rates, there are a number of criteria to consider when shopping for these products which allow investors to sleep easier at night.
Advantages and Disadvantages of Fixed Annuities

Fixed annuities provide an investor with an unchanging amount of income that is paid at regular intervals until the term has ended or a life event has occurred. A fixed annuity has advantages and disadvantages and a wide choice of options that can be added for additional fees.
Advantages and Disadvantages of Single Premium Fixed Index Annuities

Advantages of Indexed Annuities

The fixed index annuity is a concept designed to help an investor reach retirement goals. The Indexed Annuity can give you the best of both worlds: Market growth that is linked to specific investments without the risk of losing the principal and a guarantee of the principal.
How Deferred Annuity Tax Can Benefit You

Life insurance companies can offer an individual a tax deferred annuity. In the United States, annuities provide a higher interest rate than saving accounts and have a deferred annuity tax status. Over a billion dollars have been placed in annuities during the past twenty years. Why? Mainly because this contract between the insurance company and the individual: uses the best current rates; receives special tax treatment; and provides predictable and safe earnings.

Annuities Build Up During Entire Period
Details of the Variable Annuity

A variable annuity is a contract between you (the purchaser) and an insurance company (the issuer). In return for your premium payments, the issuer agrees to make periodic payments to you (if you elect this option), beginning either immediately or at some future date. Annuity premium payments are made with after-tax dollars and are not tax deductible. That's why it's often advisable to fund retirement plans like 401(k)s and IRAs first.
You Can’t Have An Annuity!

Annuities Are All the Rage
Know More...
Information about Fixed Annuity
Information about Immediate Annuity
Information about Lifetime Annuity
Information about Deferred Annuity
Information about Variable Annuity

Recent Blogs

Fixed Annuities vs Mutual Funds

For many consumers the decision to invest can be a difficult one. With so many options available, so many banks and corporations offering investment terms, the process can be such a headache many will simply not invest. This however would be a...

Fixed Annuities vs Variable Annuities: Is it worth the risk?

Annuities are a popular way both to invest and to save for retirement. The idea behind an annuity is that by combining a life insurance policy with investment advantages and tax deferred status, you arrive at a singularly effective savings...

Fixed Annuities vs CDs: Which is the Better Investment Option?

The financial crisis of 2008 has resulted in many investors moving their money into pure cash and cash-like instruments such as money market accounts and funds. Many investors have become much more conservative in their asset allocation methods...

Fixed Retirement Annuities

Fixed retirement annuities are in many ways like investing in CDs. They pay guaranteed rates, in many cases higher than CD rates, and they provide convenient, predictable payments. While this stable, dependable source of income may be ideal for...