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Studies Show Annuities Meet Consumers’ Retirement Goals

A number of recent studies have been focused on retiree attitudes, concerns and the products that could help them take care of those concerns.  In Insurance News Net's article, "Consumer Interest in Annuities Perks as Feds Discover Value," Arthur D. Postal summarized some of the recent findings.  LIMRA's Secure Retirement Institute study is called "Finding the Right Mix: LIMRA Retirement Income Attitudes and Preferences."  Both retirees and pre-retirees said that one of their top priorities... Read More

Strategies to Avoid Outliving Your Retirement Savings

In The Wall Street Journal article "How to Make Your Savings Outlive You," Jonathan Clements talks about a recently written paper by two financial experts.  Laurence Siegel from the CFA Institute Research Foundation and M. Barton Waring, retired from Barclays Global Investors, warn consumers not to expect fixed income from risky investments.  Their advice stems from many experts still recommending the 4% withdrawal method.  This retirement financing method says that you should be able to... Read More

Your Annuity Choice Can Make Or Break Your Future

When used the right way, annuities are a great way to create income and protect your money in retirement.  They can also be complicated products, so it's important to ensure that you are purchasing the best annuity for your personal financial planning.  In the Forbes Magazine article "Annuities: How To Protect Yourself And Get a Good Income," Larry Light summarizes advice from certified financial planner Jeff Rose.  He says that one of the most important things to remember is that annuities... Read More

The IRI Fact Book 2014 Discusses Annuity and Retirement Income Trends

The Insured Retirement Institute recently released their "IRI Fact Book 2014," which details all of the goings on in the retirement income and annuity industry.  Warren S. Hersch summarized the nearly 200 page document for Life Health Pro in a series of articles, the second of which is "7 more retirement and annuity facts you should know".  They looked at the trends and overall health of the industry, ways to generate income and all of the new things happening with annuity products.  The IRI... Read More

Longevity Annuities are Simple and Efficient

Annuities are misunderstood by many people.  This can be blamed partly on a few unethical advisors and also on a lack of information available to consumers.  John Morgan recently wrote about one of Stan Haithcock's Marketwatch articles for Money News.  In "Marketwatch: Longevity Annuities Have Come of Age for US Consumers," we learn more about the big changes to the industry that occurred on July 1.  There is great potential to create long term income with longevity annuities, especially... Read More

4 of the Top 5 Fixed Annuity Sellers are Indexed

Last year was the first time ever that all types of fixed annuities had year-over-year annuity sales increases.  Records were shattered all around, which was surprising to some as interest rates remained low.  In the article "Fixed Annuities Continue Strong Sales Pace in 2013, Best Year Since 2009," Beacon Research's Lisa Plotnick summarized the research firm's Fixed Annuity Premium Study.  Income and indexed annuities blew old sales records out of the water with their sales results in... Read More

Immediate Annuity Sales Haven’t Been Affected By Low Interest Rates

Yesterday I blogged about how immediate annuities compare to bonds when creating retirement income.  Bonds cannot match the security and guarantees offered by immediate annuities.  When interest rates are high, you typically see a large increase in sales of fixed annuities such as immediate annuities.  Rates aren't what you would consider high right now, but immediate annuities had a record sales year in 2013.  According to "Low Rates Haven't Stopped Annuities Sales," Zachary Tracer and... Read More

401k Annuities May Be the Future of Retirement Plans

Bankrate's Jennie L. Phipps asked if annuities are the future of retirement plans in her article "Annuities the Next Big Retirement Option?".  We're well aware, especially those of us who are working, that our savings will have to carry us through retirement.  The majority of companies no longer offer pensions at retirement that will pay monthly income for the rest of our lives.  This is why the Department of Labor asked for input regarding annuities in retirement plans a couple of years... Read More

Finance Your Retirement With Immediate Annuities

Immediate annuities are a great way to finance your retirement.  Steve Vernon wrote an article for the California Institute of Finance that is part of a series helping people determine the best way to finance their retirement.  As the final entry in the three part series, "Understanding how you can use immediate annuities to fund your retirement" offers examples for four different types of immediate annuities.  Mr. Vernon used excellent charts to compare using fixed annuities, variable... Read More

The USAA Offers Annuity Basics

Annuities can be particularly helpful to Americans who are in or have been in the military.  For this reason, the USAA published a report detailing the basics of annuities, how they can be helpful, and who can benefit from their use.  On Military.com, the Paycheck Chronicles' Kate Horrell wrote an article called "Annuities 101 from USAA."  It's hard to discount a product that provides lifetime income, but many people still do.  According to USAA, annuities help people prepare for and get... Read More

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