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Where to Find Top Fixed Annuities

With an increasing number of investors adopting a more conservative approach to long term savings and investments, the fixed annuity market is beginning to heat up. As the stock market continues to bewilder and spook investor of all types – young, old, novice and experienced – ...

Fixed Annuities Pros and Cons

Fixed annuities represent a contract between an individual and an insurance company. Annuities provide a contractual way for an individual to guarantee that he or she receives income for life. Other financial products like equities that pay dividends can also provide income. But the income ...

Fixed Tax Deferred Annuities

Fixed tax-deferred annuities are those on which a guaranteed amount of interest is paid regardless of market conditions and taxes are not paid on the earnings until distributions are paid out or the annuity is surrendered. If an annuity is fixed, it means that the insurance ...

Rates for Fixed Annuities

Fixed annuities have regained their prominence as a secure retirement vehicle that can see people through volatile markets and uncertain economic conditions.  As such, there is a renewed interest in the rates for fixed annuities and how they are determined.  When people move money ...

Pre Retirement Fixed Annuities

Fixed annuities are a cornerstone of retirement plans for millions of pre-retirees, and, as people climb out from underneath the rubble of their decimated 401(k) plans, they are being considered by millions more as way to lock in some stability during turbulent times. Even as fixed ...

How do I Buy a Fixed Annuity

The basic concept and structure of fixed annuities hasn’t really changed since they were first introduced in this country two centuries ago. While the concept of an annuity  remains simple, its structure is somewhat more complicated than that of other fixed yield vehicles.  ...

An Explanation of Fixed Annuities

As usually happens after steep market declines followed by periods of uncertainty, money takes a flight to safety where it moves into secure and stable investments. The problem is that the flight is taken only after the damage is already done.  Then, when it is certain that it’s ...

Advice on Fixed Variable Annuities

What are fixed variable annuities?  Well to start out with fixed annuities are those contracts that provide a fixed rate of return with no market volatility of the principal. The annuity is invested in securities that will not fluctuate in value with the value of the underlying ...

Fixed Annuity Examples

Fixed annuities have been offered in one form or another for generations.  The underlying premise of the fixed annuity – safety of principle, stable, fixed rates of return, guaranteed income and tax deferred growth – has made it a mainstay of retirement planners for decades. ...

The Key to Buying Fixed Annuities

There are literally hundreds of fixed annuities, of all shapes and sizes, on the market today which complicates the already daunting task of making the right investment choice  for your long term security.  The key to buying fixed annuities is to narrow down the choices quickly so ...

Fixed Annuities for Dummies

Fixed annuities are a contract between an investor and an insurance company. They provide a contractual way for an investor to ensure that he or she receives guaranteed income for life. Other investment products, such as stocks that pay dividends, can also supply income. But, they are not ...

Why Buy Fixed Over Immediate

The decision as to which kind of annuity, fixed or immediate, to purchase is based largely on the specific need or goal that needs to be fulfilled.  In certain situations, a combination of both could provide the right solution. The answer, in any case, requires an understanding of the ...

Fixed Annuities for Single Women

As the retirement dream continues to inch outside of the reach of more and more people, single women find themselves especially challenged to achieve meaningful financial independence for their golden years. Although times have changed and, along with it, the negative income disparity ...

Fixed Annuity Fees Explained

Before we delve into the details of fixed annuity fees, we will first talk a little bit about what exactly a fixed annuity is.  A fixed annuity is when a person deposits a set amount of money with an insurance company for the promise of a set future stream of income.  The person ...

Investing in Fixed Income Annuities

Fixed income annuities can provide financial security and stability for those nearing retirement or who are already retired. When an investor purchases a fixed annuity contract from an insurance company, the premium is most often placed in ultra-conservative mutual funds. The payments ...

Fixed Annuities vs Bonds

A fixed annuity is a contract between an insurance company and one or more individuals, in which individuals make premium payments over the course of an accumulation period. The insurance company invests the premiums, then uses the investment proceeds to make distribution payments to the ...

CD Annuities vs. Fixed Annuities

A new annuity wrinkle is the CD annuity, a type of fixed annuity with a superficial resemblance to a bank CD. What is it? How does it differ from the traditional fixed annuity? How does it compare to a bank CD? For what class of investor is ...

Advantages of Fixed Rate Annuities

Fixed rate annuities offer a host of advantages over interest-based and equity-based vehicles. CDs, bonds, and mutual funds have their upsides, but often pale in comparison to a quality fixed annuity. Chief of the advantages offered by fixed rate annuities are: tax-deferred growth, higher rates ...

Fixed Annuities: Guaranteed Retirement Income

Fixed annuities provide guaranteed retirement income and are typically favored by individuals who either have already left the work force or who are nearing retirement. The guaranteed retirement income results from the fact that fixed annuities  give their owners - who are called ...

Differences Between A Fixed and Equity Annuity

When considering the difference between a fixed and equity annuity, investors should remember that equity annuities, also called equity-indexed annuities, ARE fixed annuities. Both the fixed and equity annuity are designed for conservative investors, but equity annuities can provide ...

Fixed Rate Annuity: The Lowest Risk

The fixed rate annuity plan offers the lowest risk of any retirement savings option. With a fixed rate annuity plan, a guaranteed rate of return is locked in for a specific period of time, usually from one year to ten years. While the return rates may fluctuate over that period, they will never ...

The Benefits of Owning a Fixed Annuity

There are fixed and variable annuities; and which you choose depends on several factors. First off, a fixed annuity has (as its name implies) a fixed rate of return. So, you know exactly what you’re going to get for your money. If you’re older and want to be more conservative in your ...