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Annuity Education Resource for Pod casting, Podcast Listing Blogs, Pod casting Blogs. Primary Format : Australian Language : Unknown Also Listed as: City : gurgoan State/Province : haryana User Tags: User Votes: RSS Feed Website People found this Podcast Searching for: View this Podcast on a Google Map. Podcast iTunes Link Text Only listing of Annuities Podcasts Methings.com listings of Annuities Podcasts If you like this podcast, you might also like:

Annuity Rates Some commenters on the blog have asked about where to find annuity rates.  Here are sources for annuity rates: any annuity agent comparative annuity reports (www.comparativeannuityreports.com) Immediate annuity rates  http://www.annuityshopper.com/calculators/immediateannuities/ Enjoy Listen to this post Bookmark It Listen | Listen in your iPhone | Download | View full cache | Visit Website Annuity Safety What Type of Annuity Is Safe for You? Retirees who want to supplement their Social Security and pension income can look to their savings. They can invest those savings to generate an income or they can annuitize all or part of them. The annuity – as an insurance product – can offer a lifetime income. But are annuities safe? Well, that all depends on what you need to be safe from?  Because annuities are insurance products, insurance companies can guarantee a lifetime income. Their vast ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Annuities That Help You Qualify for Medicaid and Protect Your Assets Long term health care costs remain high and growing. Because of this retirees with significant assets should plan for their potential Medicaid eligibility. A Medicaid qualified annuity can play a part in this planning when one spouse has to enter a nursing home leaving the other one at home. Medicaid picks up the long term care cost of elderly who are impoverished.  Long term care is very expensive and can eat up savings fast. The elder may not be able to leave a legacy to their children. ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Creditor Protection and Other Protection of Fixed Annuities What Protections Does a Fixed Annuity Offer? Asset protection is an important consideration when deciding on retirement investments. One investment of particular interest to retirees is the fixed annuity. Annuities are geared to protect you from running out of income while you're living. But because a fixed annuity is an insurance product, it has special protections afforded insurance over the years. So, beyond protecting a lifetime income for you let's, summarize some other protections tha ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Ladder Annuities for Potentially More Income If you're 70 and living off your income from a Certificate of Deposit (CD) you may find it more advantageous to switch to a laddered annuities for more income. Let's consider how. A $100,000 5yr-CD paying  5% gives you an annual taxable income of $5,000. At a 25% income tax rate, you're left with $3,500. Of course you're also left with your $100,000 too. But if you need more income, and you don't want to get locked into any current income rate, you may consider investing your $100,000 into ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Revealing your earnings on an Immediate Annuity Understanding the earnings your money generates for you in an immediate annuity helps your evaluate your investment. A single premium immediate fixed annuity (SPIFA) gives you a fixed monthly payment for the term of the annuity. That term may be a certain number of years or for the remainder of your life. The amount the insurance company will pay you depends on the amount of premium you pay and prevailing interest rates in addition to expenses and your life expectancy if it's a lifetime pay ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Die Broke How Do I Organize My Money to Spend My Last Dollar the Day I Die? asked the investor And the advisor said, "That's no problem, Sir. What day will that be?" Not knowing when we'll die means making sure we arrange our finances to produce income for as long as we live. Aside from being able to live off just the earnings of our investments, only social security, pensions and annuities can pay you a lifetime income.  We would all like to have jut enough money to last until our last day and die ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Tax Consequences to the Annuity Beneficiary Annuities are especially attractive to retirees because they assure an income for life. They're often held as deferred annuities as a back up for those later retirement years as a supplement to other retirement income or when savings become depleted. But many retirees will die before tapping their deferred annuity. What are the tax consequences to the annuity beneficiary and should other options be arranged? A deferred annuity offers a distinct tax-benefit. It's earning grow tax-deferred. F ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Understand the Advantage of Tax-Deferred Investment Growth of Deferred Annuities Sometimes, investors don;t understand the benefit of tax deferral.  They believe if they need to pay the tax eventually, what difference does it make to defer the tax.  This article explains the benefit clearly so you make the right decisions with IRAs, annuities and other tax deferred opportunities. The secret to growing your investments is its compounding rate. The higher it is, the faster your investment grows. But that's only half the story. Increasing the compounding rate from 6% to ... Listen | Listen in your iPhone | Download | View full cache | Visit Website A Fixed Term Single Premium Immediate Annuity Helps Keep You in Control In retirement, a guaranteed income can reduce your stress and allow you a less-panicked approach to investing. With no pension, you may be relying on Social Security as your only assured income. Buying a life annuity can guarantee that extra income, but you lose both control of your assets and their use as your legacy. What's a solution to this dilemma? The fixed term SPIA solution Use a single premium immediate annuity (SPIA). In this case we're looking at a fixed term SPIA where you purch ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Should You Choose an Immediate Variable or Fixed Annuity? When you buy an immediate annuity, you pay a lump sum to an insurance company and begin receiving monthly payments right away. An immediate life annuity is attractive to retirees because it guarantees them a lifetime income. But should they choose an immediate variable annuity (IVA) or an immediate fixed annuity (IFA)? The IFA gives you a guaranteed but fixed payment – generally monthly for your lifetime. That's because the underlying annuity investment relies on long term bond investment ... Listen | Listen in your iPhone | Download | View full cache | Visit Website CD versus Fixed Annuity Comparison CD versus Deferred Annuity Comparison Safety, Return, and Investment Time Retirees with cash often seek an investment with a lot of safety. Holding a certificate of deposit (CD) gives you that safety but sacrifices investment return. Let's compare a CD to a deferred fixed annuity for safety, return and investment time. Then you can choose what's best for you. The Safety Issue Banks offer CDs. The Federal Deposit Insurance Company (FDIC) guarantees any investment in a bank up to $250,000 (th ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Provide for Your Beneficiary Survivor with a Reversionary Annuity When couples are in their retirement, circumstance may arise where a wife is in jeopardy of losing a living income when her husband dies. Perhaps the husband – before a late marriage - had opted for a ‘single life' payout for his pension or annuity. Or, perhaps a 50% reduction of his pension payout for his wife just won't be enough. How can one spouse assure an adequate income for his surviving spouse when a pension or Social Security benefit is involved?    Normally, you might say, ... Listen | Listen in your iPhone | Download | View full cache | Visit Website A Stretched-Out Legacy Benefit to Your Retirement Annuity Have a deferred retirement annuity you might not get to use? You can pass its tax-deferred earnings advantage to your annuity beneficiary and supply her income over much of her life.   A non-qualified annuity is one you funded with after tax dollars. You can provide your assigned annuity beneficiary – after you die - with a lifetime income stream from it. Its holdings can be "stretched out" over the beneficiaries' lifetime, creating what's known as a non-qualified stretch annuity.   Th ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Pros and Cons of Fixed Annuities For retirees, the most attractive feature of fixed annuities is the assurance that it'll provide a fixed income for life. But all investments have their good and bad points; and fixed annuities are no different. Let's overview some of their advantages and disadvantages summarized in the table. Advantages The three important features of an annuity are tax-deferred accumulation, guarantee of principal, and guaranteed life income.  The tax-deferred accumulation – in comparison to a similar ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Multi-Year Guarantee Annuities Do You Like Fixed Annuities But Don't Like Short-Term Rates? Fixed annuities can be popular among seniors. They are easy to buy, you know exactly how long you must tie up your money, and the IRS willlet you defer the income tax on the earnings.  But one point that may have stopped you from investing in an annuity is that some traditional fixed annuities do not lock in the interest rate for the duration of the contract. This means that after the initial period, which is typically one year, ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Variable Annuities to Give your Grandchildren a Head Start on Retirement Do You Want to Give Your Grandchild a Head Start on Retirement? If you are already retired, there's a good chance that you receive Social Security. The likelihood that this stream of income will continue for the rest of your life, at least in some form, is probably prettygood. But what about your grandchildren? According to the government, Social Security's financing problems are essentially long-term in their nature, and should not affect today's retirees and near-retirees. However, people ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Three Sources of Senior Citizen Retirement Income Do you want to be a dependent senior citizen? You likely are according to this conclusion by the Economic Policy Institute, "For the typical person approaching retirement, the value of expected future Social Security retirement benefits represents the largest single source of wealth."  While this may be true, it's a situation you don't want to be in–dependent on the government and its political whims to determine your level of senior citizenretirement income.  The more you can control ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Should You Annuitize your Insurance Annuity? What does it mean? Put simply, to annuitize is to start taking payments from an insurance annuity that may have been accumulating for some time.  Specifically, you "trade" the accumulated annuity balance for a stream of payments over a specific term of years or life (alife annuity). An annuity, a policy that is paid into either by lump some or regular payments by the policyholder, and gains value via investment of those funds by the insurance company that holds the policy, in a manner agree ... Listen | Listen in your iPhone | Download | View full cache | Visit Website How to Make the Most of a Maturing Equity Indexed Annuity Did you invest in an equity indexed annuity  a few years back? If you bought it seven years ago, the maturity date may be approaching fast, and you might only have a small window of time todecide whether to renew the annuity or place your money elsewhere. If you look at what has happened to annuity rates and the markets since you bought your equity indexed annuity, you may understand why the specifications for a new contract might differ. Interest rates are at a four-decade low, and the mar ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Annuities Require Careful Tax Planning One popular benefit of a fixed annuity is that you can let the interest in the account compound each year without paying income taxes. This allows your money to possibly grow faster as compared to fully taxable investments that pay similar, before-tax returns. When you start making withdrawals, the percentage of income that is taxable depends on how you structure the distributions. Your beneficiaries, however, may not have that flexibility, and could face a big annuity tax bill on the inher ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Fixed Immediate Annuity Can Eliminate the Required Minimum Distribution Calculation Do you own an IRA, hold a Keogh, or still have assets in a qualified retirement plan that was offered by a previous employer? Then perhaps now you have to think about the best way to withdraw the funds, as the IRS requires at age 70½, while making sure that you don't outlive your income. One choice is to remove the money all at once and pay the tax. That step, however, may put you in a higher tax bracket is is usually not wise. Another option is to go along with the government's guidelines ... Listen | Listen in your iPhone | Download | View full cache | Visit Website If You're Worried About Your Finances, Some Solutions for Seniors Do you find yourself worrying about your finances? While you may think of your situation as unique, you may in fact be among the majority of seniors who worry excessively about money. A recent survey by the publishers of Senior Market Advisor Magazine revealed several seniors' responses tothe question "How much do you worry about money?" A little                           45% More than I should        27% A lot                              20% Keeps me up at night      5% Never              ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Use a Split Annuity Strategy for More Income As a retiree, you may have Social Security income and some pension income too. But you may want an additional but assured income to round out your financial planning for retirement. You have some investment money you can generate income with but you are leery of losing your principal because you may have to rely on that income for a long time.  What is an appropriate strategy for generating income but preserving your principal? You could use a certificate of deposit (CD). It is federally in ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Indexed annuity Not very long ago, investors had two options when it came to annuities. First one was variable annuity and the second one was fixed annuity. Thereafter a third type of annuity product was designed by annuity companies which is known as equity indexed annuity. An indexed annuity is designed to give a return which is close to important indices such as S&P 500 or the Russel 1000 Index.  Investors who have parked their funds in index annuities can indirectly participate in the markets.Let u ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Will a 1035 Exchange to Get a Better Retirement Annuity? You can exchange one retirement annuity for another, but you as a retiree need to watch out for what you may lose in the process. Often when you have one investment and see a similar but better version of it, you wonder if you can ‘upgrade' to the new and improved version. Generally, whenever you liquidate an investment or retirement annuity, you need to pay taxes on any gain. If you buy another investment, your cost of the new investment will be its tax basis until it is sold in the future ... Listen | Listen in your iPhone | Download | View full cache | Visit Website What's the "Real" Fixed Annuity Rate? Annuity rates can often change in tandem with the rates paid on other fixed interest investments. However, whenever rates drop, the real return on annuities could potentially be higher than other interest-paying assets. First of all, fixed deferred annuities typically promise a minimum rate of return for the term of the contract. For example, if you select a fixed annuitythat locks in current rates for five years, you will earn a competitive rate for the first five contract years.  After th ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Mistakes in Titling Annuities Could Have Undesirable Results There's more to retirement than managing assets; you must also ensure that those assets are titled correctly. Not doing so, particularly in regard to annuities, can have major implications for you and your loved ones. Let's say you decide to invest move some of your assets from a mutual fund to an annuity because you want your beneficiaries—your children—to receive the annuity death benefit. The chart below illustrates. Sample titling of an Annuity vs. Mutual fund:   Mutual fund T ... Listen | Listen in your iPhone | Download | View full cache | Visit Website I Don't Want an Deferred Annuity Because I Can't Get My Money Out Retirees often want to know how quickly they can get to their money in case they need to cover extraordinary expenses such as a medical emergency, or a home or auto repair. This need for liquidity may cause them to avoid deferred annuities. However, when you look closely, you'll see that annuities can possibly provide access to funds that can accommodate many circumstances. For instance, what if you need to take out money before the deferred annuity matures?  Most companies will let you rem ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Javelin Marketing: Immediate Annuity Revamped for Modern Times The word "annuity" brings to mind different meanings for many investors.  That's because there are different types of annuities designed for different purposes.  One of these is the immediate fixed annuity, which can provide an immediate stream of cash payments over a lifetime or a defined period of time. If the investor has chosen a lifetime payout retirement option, he or she typically pays a single premium to an annuity company. In return, the company agrees to pay the investor regular a ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Seniors Can Protect themselves from Declining Short Term Rates Fixed annuities can be popular among seniors. They are easy to buy, you know exactly how long you must tie up your money, and the IRS will let you defer the income tax on the earnings.  But one point that may have stopped you from investing in an annuity is that some traditional fixed annuities do not lock in the interest rate for the duration of the contract. This means that after the initial period, which is typically one year, the return that the annuity company pays could possibly go hi ... Listen | Listen in your iPhone | Download | View full cache | Visit Website Index Annuity When the markets are volatile and the interest rates low, investors turn to relative safer investment options such as an index annuity. Let us quickly try to understand the term and what are the advantages anddisadvantages of investing in this kind of an investment vehicle. An Index annuity is an investment vehicle which is closely linked to some leading index such as the S&P 500. If the stocks rise then investors benefit from the rise in stock prices. If the stock markets fall, invest ... Listen | Listen in your iPhone | Download | View full cache | Visit Website