Annuity guides

Investors often face a choice between annuities and mutual funds, particularly in retirement planning. This article explores annuity vs mutual fund key differences and similarities, covering aspects such as fees, returns, liquidity, and tax implications to help you make an informed decision. Summary Need help choosing the best annuity for your unique situation? Have questions […]

When choosing an annuity, understanding participation rates and cap rates is crucial. Participation rates determine the percentage of index gains credited to your annuity, while cap rates limit the maximum returns. In this article, we’ll take an inside look at annuity participation rates and cap rates and their impact on your investment returns. Summary Need

Retirement planning isn’t the same everywhere in the U.S. due to varying state laws and regulations. These differences impact the types of plans you can access, the tax benefits you might receive, and the employer contributions available. This article will dive into how an alternative retirement plan can differ from state to state and what

How does an indexed annuity differ from a fixed annuity? The key difference is how they generate returns: indexed annuities offer growth linked to market performance, whereas fixed annuities provide guaranteed returns. In this article, we will break down these differences and explain what they mean for your retirement planning. Summary Need help choosing the

Considering a joint and survivor annuity for you and your partner? It’s vital to understand the crucial considerations for buying a joint and survivor annuity before committing. These annuities offer lifetime income for both of you, ensuring financial stability even after one partner’s death We’ll explore essential factors like payment options, financial implications, and differences

Are annuities FDIC insured? No, they are not. Annuities, unlike checking or savings accounts, are not covered by the Federal Deposit Insurance Corporation (FDIC). This article will explain why annuities are not FDIC insured and what alternatives exist to protect your investment. Summary Need help choosing the best annuity for your unique situation? Have questions

When comparing an annuity due and an ordinary annuity, the key difference is payment timing: an ordinary annuity pays at the end of each period, while an annuity due pays at the beginning. This difference affects their present value and financial benefits. In this article, we’ll unpack these differences, how each type works, and the

This article gives you a clear look at different annuities, including the annuity risks associated with each. We’ll break down immediate, deferred, fixed, and indexed annuities, explaining the specific risks tied to each. By the end, you’ll have a comprehensive look at different annuities: the annuity risks associated with each type, helping you understand which

Facing the tax complexities of an inherited non-qualified annuity? This beneficiary tax guide managing an inherited non-qualified annuity will clarify the key tax considerations. In this article you’ll discover withdrawal options, spousal benefits, and strategies to minimize tax burdens and optimize your inheritance. Read on to manage your inherited non-qualified annuity effectively. Summary Need help

Annuities provide income security but are also prone to scams. This article explains common types of annuity scams to look out for, such as misleading sales pitches, high-pressure tactics, and fraudulent advisors. Knowing these scams will help safeguard your financial future. Summary Need help choosing the best annuity for your unique situation? Have questions about