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© 2022 Annuity.com | A National Organization Focused on Truth, Transparency, and Trust.
For Licensed Agents | Find An Agent | About | Contact | Glossary | Terms of Use | Privacy Policy | Website Accessibility
How Can You Protect Your Savings Against “Uncompensated Risk”?
/in Retirement Planning/by Gary Stewart“One overlooked pitfall of retirement planning that can wreak havoc on your portfolio is “uncompensated risk.”- Gary Stewart Even the least sophisticated investors accept that higher rewards aren’t possible unless one is willing to take more risks.” No risk, no gain” is one of the most widely-accepted tenets of modern investing. However, financial academics and […]
If You’re Considering TIPS or Other Bonds, You Need To Know A Few Things
/in Bonds, Investing, Retirement Planning/by Lyle Boss“Changing expectations of inflation may have your advisor recommending TIPS. But you should know they don’t work like conventional bonds and may carry more risk.” Lyle Boss What exactly are TIPS? Treasury inflation-protected securities (TIPS) are a security issued by the U.S. Treasury. TIPS are indexed to inflation to offer investors protection against a decline […]
Guesses Or Guarantees? Knowing The Difference Could Save Your Retirement
/in Retirement Planning/by Lawrence Castillo“Most financial advisors won’t tell their clients that their advice is based mostly on educated guesses and seldom on guarantees.”- Lawrence Castillo Sometimes I ask my clients, most of whom are 55+, to imagine what their retirement accounts would look like if they had NEVER exposed their money to market losses. Usually, they look at […]
What Is Annuity Laddering?
/in Annuities, Retirement Planning/by Lyle BossLaddering is a strategy that spreads out the maturities of different fixed-income vehicles. Laddering is often used to invest in certificates of deposit and bonds but can also be an excellent way to maximize an annuity’s value. -Lyle Boss. Some seniors hesitate to add an annuity to their portfolios because they fear missing out on […]
Are Fixed Indexed Annuities Better Than Stock Brokerage Accounts?
/in Investing, Retirement Planning/by Paul Hubbard III“Some experts tout brokerage accounts as a more efficient retirement vehicle than annuities? Paul Hubbard III If you have a fixed annuity or are considering purchasing one, you probably know that these instruments have significant advantages for the safe money portion of your portfolio. However, many financial advisors steer their clients away from investigating fixed […]
21st Century Annuities Have Some Solutions To The Liquidity Issue
/in Annuities, Retirement Planning/by Gary Stewart“Annuities were never designed to be 100% liquid. However, modern annuities are now created with features that make your cash significantly more accessible.”- Gary Stewart. Some consumers’ understandable objection to deferred annuities is the perceived inability to access their cash in an emergency without heavy penalties. Annuities are tax-advantaged retirement income tools. As such, they […]
Do You Know About The Product With A Monopoly On Creating Guaranteed Lifetime Income?
/in Annuities/by Steve Kerby“Annuities have a monopoly on lifetime income creation. They are the only financial tool that gives you an income stream you cannot outlive.” Steve Kerby Over 70% of Americans admit they are ill-prepared to retire. This lack of preparation makes having a lifetime income stream more critical than ever. Most people I meet know intuitively […]
How Can You Protect Your Nest Egg From Deflation?
/in Retirement Planning/by Orlando McCall“There’s a lot of talk about inflation these days, but what about its’ mirror image- deflation? Deflation could be what eventually unravels the world’s economies. Orlando McCall When consumer and asset prices decrease and purchasing power increases, you have what’s known as “deflation.” Although most of us are paying attention to the more obvious impact […]
What’s An “Inflation-Protected” Annuity And Should You Have One?
/in Annuities, Retirement Planning/by Eric Coons“Inflation causes your savings and fixed income assets to lose purchasing power as time passes and the cost of goods and services goes up. Inflation can alter your standard of living and is especially problematic for retirees.” – Eric Coons Many retirees are worried that government spending and budget and trade deficits have created a […]
What Are High-Dividend-Paying Stocks, And Should You Add Them To Your Portfolio?
/in Bonds, Retirement Planning/by Brian Swerdlow“Is adding high-dividend paying stocks an effective means of outpacing inflation and ensuring you have enough money for retirement?”- Brian Swerdlow Occasionally, even people years away from retirement become concerned about risk. That’s understandable. We all enjoy growing our wealth, but no one likes to lose money. For this reason, some financial experts introduce the […]