Blogs By Advisors

How Annuities Are Taxed

Annuities seem to get more popular with every passing year. Part of the reason for this lies in their tax deferred growth benefit. This is to say that money put into an annuity does not have its earnings taxed. Eventually though, the owner of the annuity will reach the point where he or she starts to take money out. This is when the tax deferred annuity will begin to be taxed.

Accumulation Phase of Deferred Annuities

Strategic Alliance Gives Retirees Annuity Product Options

Researching AnnuitiesThe Phoenix Companies Inc. is a new kind of insurance company. They offer a variety of insurances for all of life’s little tendencies, everything from commercial liability and property insurance to group medical and dental. The Phoenix Company also offers Life & Disability Income, which is where their strategic alliance with AltiSure Group comes into play. AltiSure Group is an annuity and life insurance design and distribution company.

IRA Annuity Rollovers Rules Change for IN-SERVICE 401(k) Rollovers

Sometimes employees want to pull money out of a 401(k) before they retire. It isn’t always because of an emergency. Some workers want to make an in-service non-hardship withdrawal just to roll their 401(k) assets into an IRA. Why? They see lower account fees and greater investment choices ahead such as combining the safety and growth of a Fixed Annuity with the tax free benefits of the Roth IRA.

Fidelity decides to lower variable annuity fees

As we all know, 2008 produced the worst financial crisis that the world has ever seen. The whole world is still recovering from that disaster. Many people have become more aware of their personal financial situations and have become very aware of the places where they may be wasting some of their money. Given this trend, Fidelity investments has revamped it's fee based system.

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.

Recent Blogs

How Annuities Are Taxed

Strategic Alliance Gives Retirees Annuity Product Options

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IRA Annuity Rollovers Rules Change for IN-SERVICE 401(k) Rollovers

Fidelity decides to lower variable annuity fees