Uneasy About the “A” Word? You’re Not Alone
When presented in the context of retirement income planning, fixed income annuities have proven to be the most appropriate and natural commercial solution for providing sustainable lifetime income.
Category Archives: Fixed Index Annuities
Retain Your Gains with Fixed Index Annuities
Some nerves were recently rattled when the Dow Jones Industrial Average (DJIA) declined 2,052 points, or 7.6%, in six trading sessions, going from a high of 26,952 on October 3rd to a low of 24,900 on October 11th. The loss increased to 2,830 points, or 10.5%, when the DJIA hit a low of 24,122 yesterday…
Income Rider is Everything When it Comes to FIAs
When I think about and evaluate insurance riders for my clients, I look at the potential value my client will receive from adding one or more of them to a particular insurance contract. Insurance riders are optional benefits that aren’t included in the basic policy that may be purchased at additional cost. A rider typically provides…
Deferred Income Annuities Comparing More Favorably with FIAs with Income Riders
If you’re planning for retirement and you want to receive sustainable lifetime income beginning at a future date, deferred income annuities (DIAs) and fixed index annuities (FIAs) with income riders are potential suitable choices. These are the two types of deferred fixed income annuities that are sold by life insurance companies. The question is which…
It’s a Good Time to Own a FIA with an Income Rider
Although the Dow Jones Industrial Average (DJIA), with its close of 16,472 on Friday, is up 1,000 points from its August 24th low of 15,370, it’s still down almost 2,000 points, or 10%, from its May 19th high of 18,351. Putting things in perspective, a 10% decline is an overdue correction given the fact that…
Don’t Underestimate the Power of Zero
If you’re approaching, or are in, retirement, or if you’re more sensitive to loss than to gain, FIAs may be an appropriate choice for a portion of your investment portfolio. Don’t underestimate the power of zero.
Looking for a Deferred Fixed Income Annuity on Steroids?
For individuals concerned about longevity who are looking for a sustainable source of income they can’t outlive, fixed income annuities are an appropriate solution for a portion of a retirement income plan.
Make Sustainable Income a Cornerstone of Your Portfolio Beginning at 45
Make sustainable income a cornerstone of your portfolio beginning at 45.
Looking for a Pension with a Flexible Start Date?
If you want peace of mind when you retire, you need to have a plan that will generate sustainable income streams that will cover most of your fixed and discretionary expenses.
How Flexible are Flexible Premium Deferred Annuities?
While many FPDA’s provide for indefinite additional investments, several have a limited defined window of opportunity.
Fixed Index Annuity Income Rider Charge – Is It Worth It? – Part 2 of 2
The income rider charge is a small price to pay to obtain the unique combination of benefits offered by a FIA income rider.
Fixed Index Annuity Income Rider Charge – Is It Worth It? – Part 1 of 2
Adding an income rider turbocharges your fixed income annuity. A FIA income rider offers five benefits that cannot be duplicated by any other investment.
Sustainable Lifetime Income When You Need It – Part 2 of 2
If your goal is to receive sustainable lifetime income, in addition to Social Security, consider fixed income annuities offered by life insurance companies.
Sustainable Lifetime Income When You Need It – Part 1 of 2
If your goal is to receive sustainable lifetime income, in addition to Social Security, consider fixed income annuities offered by life insurance companies.
Cap Rates Are Secondary When Optimizing Retirement Income
Fixed income annuities with income riders can be an important part of a retirement income planning solution in the right situation.
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