Oct 07 2009

Baby Boomers: Investing in Annuities – A Good Idea?

Published by Pat Mullaly at 8:00 am under Retirement, financial planning

For the Baby Boomers and Midlifers, this October – the Month of The Harvest Moon!: The focus is on Planning for Retirement. We’re talking about finance, and lifestyle choices. Planning for those days when after all your hard work you can “harvest” the rewards – whether that means travel, time, golf, or doing just what you want with your life. Annuities are just one of the many investment vehicles you can choose to help build up your retirement fund.

Guest author Scott McQuarrie shares some advice

. . . . .

Annuities – Worth Another Look

Annuities – Worth Another Look

Guest Author: Scott McQuarrie

Use the words “insurance” and “investment” in the same sentence these days and most people will think of some pretty negative things, like the government bailout of the huge insurance firm, AIG. Despite the bad publicity, however, insurance is still one of modern life’s basic needs. And insurance companies still offer interesting ways to protect your money as well as your life, health and auto. Annuities are a perfect example.

Annuities are very interesting financial instruments, and one of the main products of insurance companies. Essentially they are “future repayment” contracts between you and an insurance company, which you fund with either a single lump-sum payment or scheduled remittances in advance of the first payout date. The insurance company agrees to make periodic payments of a certain calculated amount, according to an agreed-upon schedule.

Annuities usually feature tax-deferred earnings and might also contain death benefits. Since it is not a replacement for life insurance, the amount that it will pay the beneficiary is some guaranteed minimum amount, often the total of your initial pay-in amount.

Kinds of annuities Generally speaking, there are two types of annuities, fixed and variable. Fixed annuities earn a specified minimum rate of interest while your account is maturing toward its payout date. The insurance company will then guarantee that the periodic payments will be a specified amount for each dollar in the account, payments that could last for either a defined period (15 or 20 years) or for indefinite periods like your lifetime or your spouse’s.

When you opt for a variable annuity, you can select from among various different investing options, mostly mutual funds. The amount you eventually receive will depend on the returns earned from the investments you selected.

Equity-indexed annuities are where the insurance company credits you with a rate of return based on changes in an equity index like the S&P 500 Composite Stock Price Index. Most insurance companies will guarantee a certain minimum return, which rates vary greatly from firm to firm. Following the accumulation period, you will receive periodic payments according to your contract terms, unless you prefer a lump sum payment.

The legal distinctions Each annuity product is a different kind of financial instrument. Fixed annuities are not considered securities and therefore are not regulated by the Securities and Exchange Commission (SEC). On the other hand, variable annuities are securities, so the SEC does exert some oversight of those products. Equity-indexed annuities combine features of other, more traditional insurance products (like a specified minimum rate of return) as well as standard securities (return pegged to the markets).

Because they are constructed in different ways, even within the same company, equity-indexed annuities may or may not be considered securities. It is all according to their particular design. Most equity-indexed annuities marketed today, as a matter of fact, are not registered with the SEC. This means it is more important to check the company, its history and its own financial health if you are going to risk your money on its products.

Fitting into the plan

You can learn more about all the kinds of annuities by doing online research, as well as ordering information from the various insurance companies that deal in the products. A good financial planner, especially one who is also a licensed insurance agent, will be able to help you determine just how you can work an annuity into your financial formula. Again, it is up to you to determine the amount of risk you can stand, and the way you want to structure the deal, because there are no concrete guarantees in any financial instrument, truth be told. The history of annuities, however, should give one sufficient confidence to proceed if everything – the company, the people, the deal, etc. – checks out.

One primary challenge in creating a comprehensive financial plan is making the best use of your funds and limiting the amount of overlap in benefits. That is, if you have other income-producing investments, you don’t need to use annuities for the majority of your future living expenses. Instead, if you anticipate paying for college for a kid or two, you could set up an annuity for that purpose, or according to some other plan that you develop. You can use annuities as a component of various, very effective financial plans, so don’t overlook them.

By Scott McQuarrie, representing the EZWatch Pro brand, a leading provider of computer based video security systems for business, commercial and government applications.

Article Source: http://EzineArticles.com/?expert=Scott_McQuarrie
http://EzineArticles.com/?Annuities—Worth-Another-Look&id=1824761

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  95. Wanitaon 04 Jan 2012 at 1:39 am

    Yes…there’s one in the front row on the other side of the stage..she even spreads her hands at one point..

  96. Troyon 04 Jan 2012 at 2:17 am

    My ex-wife Betty Ann also used her high spike heels to peel back my eyelids and scrape my eyeballs. I let her do it to me all she wanted while I masturbated into a towel and suffered while she worked on my eyeballs.

  97. odzyskiwanie danychon 04 Jan 2012 at 3:20 am

    Stai benissimo!! Le foto sono molto belle! Alla fine anch’io ho pubblicato le foto con questo maxi dress…diventera un’ossessione! [Rispondi]

  98. Tannaon 05 Jan 2012 at 5:07 am

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  99. Honey Jiraon 05 Jan 2012 at 9:51 am

    Tim, you’ve got two examples, and you title your post “often”? Okay.

  100. Violeta Stoneron 05 Jan 2012 at 10:40 am

    I am wondering how I can be notified whenever a new post has been made.

  101. odzyskiwanie danychon 05 Jan 2012 at 12:20 pm

    You guys! This is fabulous. Well done! Let me know if I can do anything to help out. Cheers from Neil and Doc!

  102. Produktprobenon 05 Jan 2012 at 7:35 pm

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  104. Coleen Sonneon 05 Jan 2012 at 11:59 pm

    Hey would you mind stating which blog platform you’re working with? I’m going to start my own blog in the near future but I’m having a difficult time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something completely unique. P.S Apologies for being off-topic but I had to ask!

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  108. Sherylon 07 Jan 2012 at 6:39 pm

    Do the fast for yourself, for the people stuck in Darfur and because all of these wonderful people are doing it so there must be a good reason for it… also to loose that last bit of weight and look hot this summer. .j.

  109. Lucien Boarmanon 08 Jan 2012 at 12:02 am

    I am using some of them such as SEO SERP and Screen Capture. Reply

  110. Johnathon Faughnon 08 Jan 2012 at 12:37 am

    Man that was very entertaining and at the same time informative.;-;~”

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  112. Sheldon Jeltemaon 08 Jan 2012 at 9:59 am

    Ilia Great tip. I just tried it for my Squidoo lens and got a: .SLOW DOWN COWBOY Does Squidoo automatically ping when you update?

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  114. Shiela Ragoneseon 08 Jan 2012 at 9:58 pm

    “Nice to see a couple of really good people find love” Yeah like Page is good people. Yeah right. And like she’s not in it for the money. Right again.

  115. odzyskiwanie danychon 09 Jan 2012 at 4:21 am

    i love how he takes off the name from the back fo the jersey!

  116. odzyskiwanie danychon 09 Jan 2012 at 7:45 am

    Why works almost none of the episodes in season one? .This is on almost all the episodes: This has been removed due to infringement. Why? : (

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  119. Desmond Fuentason 14 Jan 2012 at 2:38 pm

    We can never define what is life, but you, you easily differentiate it.

  120. Jason Itkinon 15 Jan 2012 at 8:12 pm

    I totally disagree, you haven’t posted why did you come up with your conclusions

  121. Erik Macanason 29 Jan 2012 at 3:24 am

    Hi! I Enjoyed reading here but I have to admit that I find it hard to browse around this blog. It might be due to the theme… I am not sure. Just wanted to mention it. Perhaps you might consider a more user-friendly theme. Thanks!

  122. Reynaldo Scheiernon 02 Feb 2012 at 8:49 pm

    Let me begin by saying nice post. Im not positive if it has been talked about, but when working with Chrome I can in no way get the entire web page to load without refreshing a great many times. Could just be my personal computer. Thanks.

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