Happiness and Security in Retirement – Dream or Project?

First, a few prefatory comments about this section of Retirement Security dot com. This section is entitled “retirement security / philosophy”. I gave it that name because I like the work “philosophy” for its “broad sweep”, the way it encompasses or includes (at least to me) so many variations of “mind stuff”: transcendent stuff (hard [...]

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Fees associated with Buying an Annuity

When buying an annuity, keep in mind the person you are purchasing it from sells them for a living. Annuities have many benefits; however, sellers will neglect to mention or gloss over in negatives aspects in order to make a sale.  Buyers should know the basics of annuity fees before purchasing an annuity.  Areas of [...]

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Annuities and Inflation Risk

Risks are inherent in an investment.  One large annuity risk is its length.  With your money tied up for years, annuity inflation can make the actual worth of your money, and the investment, a loss rather than a gain. Pretend you have an annuity that pays out $1,000 a month for your lifetime.  The higher [...]

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Know Your Annuity Risk

With all of the recent uncertainties in the market, people are looking for safe places to invest their money.  Annuities provide a long-term investment that is a secure and stable form of income for retirees.  This will be increasingly important to the baby boomers whose golden years are almost here.  There are some annuity risks [...]

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Annuity Calculations: Steps for Calculating Annuity Returns

Planning for retirement requires a lot of thought and planning.  For annuities, one would like to calculate the amount of income they can expect their annuity to generate.  There are many forms and shapes annuity calculations that make it complex.  If one breaks the process up piece by piece, then it is simpler to understand. [...]

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Should I Buy an Annuity

An annuity is an investment in one’s longevity.  People buying annuities want security and comfort in the future.  Many from the baby boomer generation are rapidly approaching this future, or are already retired.  Younger workers with income to invest in ones future should consider such options seriously. Who Should Buy Annuities The first group of [...]

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Factors that Affect your Annuity Return

The interest rate for annuities is typically at the discretion of the insurance company you purchase the annuity from. You can control a few factors that will contribute to the rate you get on your annuities; these factors include: The time until the annuity matures How much they deposit How many deposits Some, however, are [...]

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Pros and Cons of Annuities: Are you really protected?

Do you know what will happen to your annuity if the company goes belly up? Are you protected, and for how much? These are a main concerns of many annuity account holders. So you don’t leave anything up to chance, there are some things you should know about the pros and cons of annuities. As [...]

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Finding the Best Annuities: Fixed Annuities versus Variable Annuities

Annuities are typically part of a retirement plan to beneficiaries who want a steady income. Money can be invested either in installments or as a lump sum. There are two main types of annuities: fixed and variable. The question becomes finding the best annuities for you. Fixed annuities are considered a safer investment because variable [...]

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3 Strategies for Profiting from Annuities

The steady income generated through annuities can be very attractive. However, if you’re counting on those payouts for a long period of time, you should consider the effect of inflation. Annuity yields are often lower than the inflation rate which means that the value of your money may shrink over time. There are some strategies [...]

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