Download or read book Index Annuities written by John Olsen and published by . This book was released on 2010-12 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Equity Indexed Annuities written by Jay Adkisson JD and published by iUniverse. This book was released on 2006-08 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: Few individuals have done more to educate the American public about financial scams than Jay Adkisson. As the creator of Quatloos.com, Jay has helped many thousands of people worldwide avoid being scammed out of many millions of dollars to various investment schemes. The U.S. Senate Finance Committee has twice called Jay as an expert witness on abusive tax schemes. As one of the authors of Asset Protection: Concepts and Strategies (McGraw-Hill 2004), Jay has similarly helped thousands of people avoid dubious asset protection schemes. In his latest book, Equity-Indexed Annuities: The Smart Consumer's Guide, Jay gives a balanced and objective overview of this advanced form of fixed annuity to better educate consumers of the advantages, disadvantages, and the numerous product options that are available when considering the purchase of this popular retirement vehicle. This short guide covers all the most important issues that consumers should address before purchasing an equity-indexed annuity, including: How the minimum interest rate is paid, how the maximum return is linked to the stock index, and how participation rates and caps may limit returns. How surrender charges may limit withdrawal rights for a period of years after the annuity is purchased, and why the annuity should not be purchased if the consumer will need the cash during this period. How the annuity payments may be made, and what can happen upon the death of the annuitant. How annuities benefit from tax-deferral, how taxes are paid upon withdrawal or when annuity payments are made, and tax considerations upon the death of the annuitant. How the annuity and annuity payments may be protected from creditors in some states, and how in other states they may be protected by proper planning done in advance of claims. This guide should also give consumers the ability to intelligently answer the most fundamental question: Is an equity-indexed annuity right for me
Download or read book Annuities For Dummies written by Kerry Pechter and published by John Wiley & Sons. This book was released on 2011-02-09 with total page 373 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why look into annuities? If you’re a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read Annuities For Dummies, 3rd Edition. This completely revised and updated, plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You’ll find out exactly what annuities are, whether they’re the right financial vehicle for you, and which of the many annuity options might have your name on it. You’ll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to: Identify the main types of annuities Weigh the pros and cons of annuities for yourself Minimize the complexity and cost of your annuity investment Figure out how much money to commit Avoid common annuity pitfalls Create an income you can’t outlive The time to start securing your financial future is now. Annuities For Dummies, 3rd Edition, gives you knowledge, insider tips, and expert advice you need to make your money do its best for you.
Download or read book Pros and Cons of Index Annuities written by Lindahl Lucas and published by . This book was released on 2016-05-11 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement books like the Pros and Cons of Annuities may seem like they are few and far between BUT the simple fact is, what Lindahl Lucas shares in his retirement book is the cold hard truth about RISK and how it has no place in your Retirement Investments. Your Retirement Planning & Retirement Strategies MUST protect your retirement savings from catastrophic loss, prevent losing money in the stock market or by inflation erosion on your retirement nest egg. 401k books and Retirement Savings time bomb or other retirement books cannot show you the intricacies and the nuances associated with purchasing an annuity the way Lindahl Lucas has done in this book "The Pros and Cons of Index Annuities." Learn exactly how to PROTECT your investments by using the retirement planning advice and some of the retirement planning tips featured in this Retirement Savings time bomb in retirement savings books... Looking for Retirement Gifts In Books? This is the perfect gift for a baby boomer looking to learn more about protecting their long-term legacy of money and living the good life in retirement.Purchase your copy of The Pros and Cons of Index Annuities. Buy It Now!The Pros and Cons of Index Annuities isn't your retirement planning for dummies book, it is really for someone that enjoys the finer tastes and the knowledge from a reputable expert that can help you succeed, no matter what age, if you follow the process to using his systems, when an annuity and investing in an annuity is right for you.Stop investing in stocks... Stop investing in gold and silver... Have the right amount of diversification by protecting 30-50% of your assets in an annuity. Finding out the Pros and Cons of annuities will let you know if investing in an annuity is right for you, which one would best suit your needs, and how you can begin the discovery process with Mr. Lindahl Lucas and his team of Retirement Advisers at Lucas Insurance Services. Keep in mind, investing in real estate has no guarantee, but investing in an annuity or a fixed index annuity allows your money to grow and you can guarantee yourself and your spouse a pension from your account for as long as you both shall live, regardless of who passes on first. And, after you both pass the remaining money left in the account will be passed on to the beneficiary which makes learning the pros and cons of index annuities such a wonderful Retirement Gift In Books!Investing in annuities for dummies is half the price... Do you really want to buy an investing book for dummies? I would think if you are reading this that you want to buy a book that can explain all the questions that I myself wanted answered, which is how I arrived at a detailed explanation of the pros and cons of annuities, and more specifically index annuities.Index annuities and fixed index annuities are great retirement investment vehicles and this is a great retirement investment book. Whether you need retirement gifts for men or retirement gifts for women, if you love them and they love to read great quality information that can protect their money in retirement, then The Pros and Cons of Annuities is really a great choice for you to Buy Now! Buy it Now on Amazon! - ADD TO CARTThe wealth management resource chart and pros and cons of annuities worksheet will assist you in financial planning and learning the wealth secrets of the one percent... It is an annuity.Now you have the opportunity to take action and learn the pros and cons of annuities from Lindahl Lucas, Retirement Planning Specialist and the author of "The Pros and Cons of Index Annuities."Learn more at: http://www.ProsandConsofAnnuities.comIn this retirement planning book you will learn:What An Annuity Is. Why You Should Consider Fixed and Indexed Annuities over Variable Annuities, what a Traditional Annuity is and why it is no longer sold. How you can identify if investing in an annuity is right for you.
Download or read book The Objective Guide to Fixed and Indexed Annuities written by Robert A. Esperti and published by . This book was released on 2014-09-01 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: We wrote this book for readers whose primary goal is to protect their principal and guarantee that it will not be lost from market plunges, while making as much income as they can over time in doing so.
Download or read book Tax Free Retirement written by Patrick Kelly and published by . This book was released on 2017-12-29 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Don t Die Broke written by David Reindel and published by Agate Publishing. This book was released on 2009-03-01 with total page 193 pages. Available in PDF, EPUB and Kindle. Book excerpt: Massive numbers of 50-plus baby boomers will be retiring in the next few years. How will they finance that retirement? This practical guide presents an often overlooked but commonsense solution. Expert David Reindel argues persuasively for the preservation of assets, rather than a risk-prone obsession with the accumulation of them. Crucial to this process, he explains, is the humble annuity. Why have these time-honored investment tools generated so much negative attention in recent years? Don’t Die Broke details the financial industry’s misrepresentations of the annuity, and how — set up and managed correctly — it can offer the most reliable income source for boomers in this era of economic uncertainty. This book is both a clear-minded analysis of the forces that have led us to the present calamity and a reassuring roadmap to a more secure future.
Download or read book Have Your Cake and Eat It Too written by Steve B. Lucks and published by Createspace Independent Publishing Platform. This book was released on 2017-10-31 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Like many Americans, you probably assume that most investment professionals who help you plan for retirement are qualified to manage your money and accurately assess the risks. It's why you've trusted them with your financial future. Unfortunately, these "experts" don't always get it right, and losses can diminish your retirement plan beyond recovery. In this helpful guide, Steve B. Lucks, MS-former equity trader and founder of the Center for Retirement Planning-dispels Wall Street's major money-making myths and reveals unique insights into safe-money strategies that won't lose you value. Fixed indexed annuities are often downplayed as "investments on training wheels" because they might not achieve full market gains in a given year. However, they have the potential to equal or even outperform traditional investments in the long term without high risks. Lucks shares the intimate investment details Wall Street doesn't want you to know. Learn all the ins and outs of fixed indexed annuities: what they are, how they're safe, how much you can earn, and who offers them. Don't fear outliving your money. Discover all the ways fixed indexed annuities can secure your retirement so you can enjoy life to the fullest.
Download or read book Annuities written by David Shapiro and published by Dearborn Real Estate Education Company. This book was released on 2001 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annotation This text provides a clearly organized introduction to the subject of annuities, written in non-technical language for students or other non-specialists. The chapters include summaries and review questions; an appendix contains a sample flexible premium deferred annuity contract. There is no index. Schapiro and Streiff work in financial services. Annotation c. Book News, Inc., Portland, OR (booknews.com).
Download or read book The Ultimate Retirement Guide for 50 written by Suze Orman and published by Hay House, Inc. This book was released on 2020-02-25 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: The instant NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BESTSELLER PUBLISHERS WEEKLY BESTSELLER USA TODAY BESTSELLER #1 PERSONAL FINANCE EXPERT Revised & Updated for 2023 THE PATH TO YOUR ULTIMATE RETIREMENT STARTS RIGHT HERE! Retirement today is more complex than ever before. It is most definitely not your parents' retirement. You will have to make decisions that weren't even part of the picture a generation ago. Without a clear-cut path to manage the money you’ve saved, you may feel like you're all on your own. Except you're not—because Suze Orman has your back. Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in this revised and updated Ultimate Retirement Guide for 50+, which reflects recent changes in retirement rules passed by Congress, Suze gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more—starting where you are right now. Suze knows money decisions are never just about money. She understands your hopes, your fears, your wishes, and your desires for your own life as well as for your loved ones. She will guide you on how to let go of regret and fear, and with her unparalleled knowledge and unique empathy, she will reveal practical and personal steps so you can always live your Ultimate Retirement life. "I wrote this book for you," Suze says. "The worried, the fearful, the anxious. I know you need help navigating the road ahead. I've helped steer people toward happy and secure retirements my whole life, and that's exactly what I want to do for you."
Download or read book Variable Annuities and Variable Life Insurance Variable Pensions Investment Annuities Economic Index Annuities Separate Accounts written by George E. Johnson and published by . This book was released on 1961 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Annuity from Mystery to Mastery written by Robert J. Zimmerman and published by Dog Ear Publishing. This book was released on 2006-12 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Complete Guide to Investing in Annuities written by Matthew G. Young and published by Atlantic Publishing Company. This book was released on 2011 with total page 271 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuity investment has become an increasingly popular option for many investors each year with the market topping more than $100 billion in sales in recent years. Due to the dual nature of annuities, they can often be misunderstood and many investors looking for high return rates steer clear of them, hoping for the quick return rates that they often associate with higher risk investments. Though, as this book will show you, annuity investment done properly can be an incredibly powerful tool in helping you reach your full financial potential without taking substantial risks. In this book, you will learn exactly what annuities are and how they work. You will be shown all of the common misconceptions about annuities and how you can get past those and decide if annuity investment is right for you. You will learn the primary purpose of an annuity and how they can help diversify your retirement options. You also will learn which risks are immediately associated with annuities in regards to your retirement, including longevity, investment, and planning risks. The specific elements of an annuity are laid out in striking detail, showing you how it works, what the differences are between each major type, and what you can expect from deferring annuities and immediate annuities. The pros and cons of each type and comparisons to other investment options such as CDs, mutual funds and retirement accounts will help you decide how an annuity fits into your portfolio. Interviews with dozens of financial experts have helped us compile a comprehensive guide on everything you can imagine related to annuities. You will learn how a fixed annuity operates and what you can expect from multi-year agreements as opposed to single-year agreements or market value adjusted annuities. Index, variable, and income annuities are also described in full detail in their own chapters along with when they are the best choice and how they ideally fit into your investment strategies. You will learn how to properly structure an annuity and how to optimize your variable investments. You will be shown how to access, get out of, or convert your annuities when things change in your life and what you can expect to pay in taxes on your annuities. Finally, you will be walked through the annuity sales process, including what you should expect from your salesman and ten essential questions you must ask before you sign any paperwork. If you are considering or preparing to purchase an annuity in anticipation of your retirement, this book is a vital tool that you cannot overlook. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Download or read book Safety First Retirement Planning written by Wade Donald Pfau and published by Retirement Researcher Guid. This book was released on 2019-10 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.
Download or read book The Truth about Buying Annuities written by Steve Weisman and published by Pearson Education. This book was released on 2008-08 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: A consumer finance expert helps investors make smart decisions about annuities and avoid the lies, misrepresentations, and ripoffs that await them. From start to finish, Weisman delivers quick, bite-size, just-the-facts information and plain-English explanations that readers can actually use.
Download or read book Financial Economics of Index Annuities written by Paul C. Bennett and published by Dissertation.com. This book was released on 2013-05 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: Average investors hold their equity mutual funds slightly over three years, which significantly hinders their long-term performance. This study found that there is a statistically significant difference between the investor returns of index annuities and the investor returns of equity mutual funds for six distinct time periods starting from 1997-2011 and ending with 2002-2011. Additionally, the risk-adjusted investor returns of index annuities outperformed the risk-adjusted investor returns of equity mutual funds for the same time frame. The aforementioned outperformance was termed the "Index Annuity Investor Return Spread" (IAIRS) by the study. Investor return is often not reported nor written about in the financial press, as the media tends to focus on investment return which is defined as the geometric rate of return of a buy-and-hold investment over the long term. Conversely, investor return is defined as the long-term dollar-weighted rate of return or Internal Rate of Return (IRR) over time. The IRR factors in the timing and amount of cash flows into and out of the portfolio of the average investor. Index annuities, through their downside protection, upside potential and temporally controlled contractual obligation, often mitigate the risk of investors being affected by counterproductive, self-sabotaging investor behavior, thereby resulting in positive IAIRSs. The study is distinct from previously published index annuity studies that have compared investment returns (often formula-driven hypotheticals) of index annuities to market indices or investment returns of equity mutual funds. The implication of these findings regarding investor returns of index annuities and equity mutual funds is that individuals on a global scale now have information regarding the ability of index annuities to be a valuable component in portfolio construction and diversification.
Download or read book Variable Annuities V Fixed Indexed Annuities written by Timothy Koenig and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: As the emphasis on personal saving for retirement continues to grow, so too has the interest in buying an annuity product with upside potential. A product with upside potential suggests that if the market were to rise, the value of this annuity would increase rather than remain constant. In this study, we consider three deferred annuity products that offer this upside potential: a variable annuity, a fixed indexed annuity with a cap rate and a fixed indexed annuity with a participation rate. First, we consider stochastically projected payouts of the simple, vanilla versions of these three products, assuming a ten year period of premium accumulation followed by an annuitization of the accumulated premium. We then proceed to add a ratchet, roll-up and guaranteed lifetime withdrawal benefit rider to these three products. We again accumulate these premiums for ten years, but because this rider package provides guaranteed income, we then proceed to consider income withdrawals from the account rather than annuitizing the accumulated value. As we compare the results of these projections and resulting payments, we assume our consumer expects these products to ensure lifetime future income. This is the assumption that prompts us to annuitize the vanilla products after ten years. Despite this expectation, we also still consider the ability of each product to maximize the return on initial invested premium. We ultimately conclude that a rider package consistently generates greater future income for the consumer than a product's vanilla counterpart. Within this rider family, we note that the variable annuity generates equal or greater future income than the competing fixed indexed annuities. Finally, we recognize that a vanilla variable annuity offers the greatest potential return for a consumer willing to absorb high risk, while a vanilla fixed indexed annuity best secures initially invested premium, thus lowering both accumulated account value volatility and potential upside return of premium.
