Download or read book Annuities and Other Retirement Products written by Roberto Rezende Rocha and published by World Bank Publications. This book was released on 2011 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the 1990s many emerging economies in Central Europe and Latin America initiated their pension reforms. While most analysis to date has focused on the accumulation phase, there are a number of lessons to be shared as countries start to prepare the retirement options for their contributors, with this book addressing these issues from a public policy perspective.

Download or read book Life Annuity Products and Their Guarantees written by Collectif and published by OECD. This book was released on 2016-12-05 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication helps policy makers to better understand annuity products and the guarantees they provide in order to optimise the role that these products can play in financing retirement. Product design is a crucial factor in the potential role of annuity products within the pension system, along with the cost and demand for these products, and the resulting risks that are borne by the annuity providers. Increasingly complex products, however, pose additional challenges concerning consumer protection. Consumers need to be aware of their options and have access to unbiased and comprehensible advice and information about these products.

Download or read book Life Annuity Products and Their Guarantees written by OECD and published by OECD Publishing. This book was released on 2016-12-05 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication helps policy makers to better understand annuity products and the guarantees they provide in order to optimise the role that these products can play in financing retirement.

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 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 Annuities and Retirement Income Planning written by Patrick J. Collins and published by CFA Institute Research Foundation. This book was released on 2016-03-16 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuitization is one asset management strategy for retirees seeking to secure lifetime income. The US annuity marketplace offers a variety of annuity contracts, including single premium annuities, advanced life deferred annuities, variable annuities with lifetime income guarantee riders, and ruin contingent deferred annuities. Advisers seeking to provide guidance to clients in or near retirement can benefit by understanding (1) the arguments both for and against annuitization and (2) how a client’s interests might be best represented in the marketplace. Important annuity contract provisions are highlighted and briefly discussed so the adviser can become more familiar with retirement-planning options.

Download or read book Guide to Understanding Annuities written by Virginia B. Morris and published by Lightbulb Press, Inc.. This book was released on 2004 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Mortality Risk Inflation Risk and Annuity Products written by Jeffrey R. Brown and published by . This book was released on 2000 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: As growing numbers of retirees reach retirement age with substantial balances in self-directed retirement plans, annuities are likely to become increasingly important instruments for drawing down retirement savings. This study explores recent trends in the pricing of single-premium annuity products in the United States. Virtually all of the annuity products currently available in the United States offer fixed nominal payouts, rather than an inflation-linked payout stream. After describing the money's worth' of the various types of nominal annuity products, this study considers the extent to which existing U.S. private annuity markets provide retirees with inflation-protected retirement income flows. Although there is effectively no market yet for inflation-indexed annuities in the United States, such products are available in other countries. The paper concludes by summarizing recent data on the pricing of both nominal and inflation-linked annuities in the United Kingdom and several other nations.

Download or read book Mortality Risk Inflation Risk and Annuity Products written by Jeffrey R. Brown and published by . This book was released on 2010 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: As growing numbers of retirees reach retirement age with substantial balances in self-directed retirement plans, annuities are likely to become increasingly important instruments for drawing down retirement savings. This study explores recent trends in the pricing of single-premium annuity products in the United States. Virtually all of the annuity products currently available in the United States offer fixed nominal payouts, rather than an inflation-linked payout stream. After describing the money's worth' of the various types of nominal annuity products, this study considers the extent to which existing U.S. private annuity markets provide retirees with inflation-protected retirement income flows. Although there is effectively no market yet for inflation-indexed annuities in the United States, such products are available in other countries. The paper concludes by summarizing recent data on the pricing of both nominal and inflation-linked annuities in the United Kingdom and several other nations.

Download or read book Truth About Buying Annuities written by Steve Weisman and published by . This book was released on 2008 with total page 201 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Role of Annuity Markets in Financing Retirement written by Jeffrey R. Brown and published by MIT Press. This book was released on 2001-11-09 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuity insurance products help protect retirees against outliving their incomes. Dramatic advances in life expectancy mean that today's retirees must plan on living into their eighties, their nineties, and even beyond. Longer life expectancies are the symbol of a prosperous society, but this progress also means that some retirees will need to plan conservatively and cut back substantially on their living standards or risk living so long that they exhaust their resources. This book examines the role that life annuities can play in helping people protect themselves against such outcomes. A life annuity is an insurance product that pays out a periodic amount for as long as the annuitant is alive, in exchange for a premium. The book begins with a history of life annuity markets during the twentieth century in the United States and elsewhere. It then explores recent trends in annuity pricing and money's worth, as well as the economic value generated for purchasers of these products. The book explains the potential importance of inflation-protected annuities and stock-market-linked variable annuities in providing more complete retirement security. The concluding chapters examine life annuities in various institutional settings and the tax treatment of annuity products.

Download or read book Annuities Answer Book written by John T. Adney and published by Aspen Law & Business. This book was released on 2005 with total page 672 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuities Answer Book, Fourth Edition is the most comprehensive, up-to-date resource available on both fixed annuities and variable annuities. It has been updated to include Roth IRAs, addressing the federal income tax issues that arise in connection with this new type of retirement product. Thorough analysis is also provided of such issues as the different types of annuities, taxation of annuities, loads, using annuities for individual retirement funding, trust funding or estate funding, and other uses of annuities.The Fourth Edition also provides clear explanations of the regulations governing annuity products such as SEC investment guidelines, ERISA and Department of Labor restrictions, insurance company rules, and key criteria from individual states.Specific topics covered in the Fourth Edition include:Basic annuity structures along with their uses, advantages and disadvantagesRegulations on the sale of annuitiesTax implications of annuitiesERISA qualifications for fixed annuitiesInvestment options and their implications for variable annuitiesFee structures and commissionsTax- sheltered uses of annuitiesAnd more!

Download or read book Creating Retirement Income written by Virginia B. Morris and published by Lightbulb Press. This book was released on 1998 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written in collaboration with the National Association of Variable Annuities, this user-friendly, easy-to-read and easy-to-understand guide simplifies variable annuities and shows how they can be used to retirement wealth. Color illustrations.

Download or read book Pension and Annuity Income written by United States. Internal Revenue Service and published by . This book was released on 1990 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Brief Overview of Annuities written by Kirk G. Meyer and published by . This book was released on 2020-07-12 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you thinking of your retirement? Do you worry about outliving your retirement funds? If so, then an annuity may be the right choice for you to consider. These are extremely complex financial instruments that are between the annuitant (you) and a life insurance company. Since these are generally for someone's retirement, they are considered tax-deferred until payments begin. All annuities have several components to them and riders that make them unique, and in some instances, expensive. Someone must understand the annuity they are purchasing before actually purchasing it from an insurance agent, financial planner, or directly from the life insurance company. As alluded to, annuities are indeed extremely complex financial contracts requiring someone to know the basic differences between a fixed income annuity, an immediate annuity, and a variable annuity. While these are not all of the annuities available, they are some of the more common ones purchased. While this book does not cover all of the types of annuities available, it does provide someone with a high-level overview of the basics needed to make an informed decision on an annuity and if it is the right choice for them or their retirement plans. Get A Brief Overview of Annuities today and be in more of a position to make an informed decision on an annuity purchase.

Download or read book The FinancialVerse Today s Annuity Products written by Harry Stout and published by Bookbaby. This book was released on 2021-02 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today's Annuity Products was written to educate the individual researching annuity products for use in their financial affairs. The book gives the reader all information necessary to understand annuity products and to prepare themselves to meet with a financial professional to investigate their purchase. The book takes the reader on a complete journey through the world of annuity products including: What Are Annuities and How Do They Work? The Core Benefits of Annuities Annuity Income Tax Benefits and Negatives Why Buy An Annuity? The Major Positives and Negatives to Buying Annuities How Much Income Should I Plan For? Financial Strength Behind the Products Where to Buy and the Buying Process Your Next Steps Final Thoughts / Should You Buy An Annuity? The book also contains resource checklists that prepare the reader to perform a financial check-up in preparation for determining their annuity product needs and a list of the key annuity organizations they can turn to for information about the products. Today's Annuity Products takes the over 20 years of the author's experience with these products and condenses into an understandable and useful resource for the potential annuity buyer.

Download or read book Die with Zero written by Bill Perkins and published by Houghton Mifflin. This book was released on 2020 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A ... new philosophy and ... guide to getting the most out of your money--and out of life--for those who value memorable experiences as much as their earnings"--