Balancing Risk versus Growth in Retirement Plans |
August 13, 2012 |
Income For Life, Index Annuities, Jeremy Smith, Member Posts, Retirement Planning
Written By: Jeremy Smith | Amerishield Everyone has their own idea of what they want their lifestyle to be like when they retire, how much money they’ll need, whether they will travel, and even where they will live. If you’re approaching retirement, this stage of your life could last for 20-50 years or more! Knowing that can’t you count on an unpredictable stock market or economy to provide your income over that lengthy period of time, how will you make it through your retirement? A...
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The Tortoise vs. the Hare |
August 12, 2012 |
Annuity Basics, Index Annuities, Jeremy Smith, Member Posts, Retirement Planning
Written By: Jeremy Smith at Amerishield I just finished reading a blogged article titled “What is the Right Age to Buy an Annuity?” In this article the author hypothesized that fixed or indexed annuities need to be held for the length of the contract in order to realize the full opportunity for growth. I strenuously disagree. He also explained that in many of the policies there is a penalty for withdrawing more than the allowed amount during the contract period. In some cases this can...
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How will your Retirement Savings Perform if we have Another Lost Decade? |
July 30, 2012 |
Index Annuities, Jeremy Smith, Member Posts
Written By: Jeremy Smith at Amerishield Let’s say you believe that the next decade will be more volatile than the last decade. If you choose to stay the course and not educate yourself on other viable options, you could very well experience some of the same previous damaging effects of “just breaking even” over the last 10-12 years. Many people’s retirement savings have been lucky to break even over the last 12 years, and many believe that the end of the financial crisis is nowhere...
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Indexed Annuity Annual Reset Advantage |
July 20, 2012 |
Index Annuities, Jeremy Smith, Member Posts
Written By: Jeremy Smith at Amerishield One of the most powerful benefits of an indexed annuity is the annual reset feature. This is valuable whether the indexed market goes up or it goes down. If the index market goes up, the client’s account value receives the market linked growth as interest credited to their account value. If the indexed market goes down, the client receives zero interest that year. While this may appear to be a bad thing, the annuity client lost no money compared...
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Understanding Annuity Living Benefit Riders |
July 10, 2012 |
Annuity Basics, Income For Life, Index Annuities, Jeremy Smith, Member Posts
WRITTEN BY: JEREMY SMITH, AMERISHIELD Over the last 15 years, there has been a tremendous change in the quantity and types of annuity riders you can choose during your purchase of an annuity for retirement savings. It is important that you understand how these may benefit you and the fees (if any) to you. Living Benefits Among the most common riders you must determine if you wish at the time of purchase is an Income Rider. There are many different names for these yet they...
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Avoid the Bear Trap |
July 2, 2012 |
Index Annuities, Jeremy Smith, Member Posts
Written By: Jeremy Smith at Amerishield You may have heard the term “Bear Market.” There are a few possible origins of this phrase, but the most plausible dates back to the late 1700s. Bear skin brokers, known as jobbers, would often sell bear skins they did not yet have. They would sell them at the current market price and promise a future delivery date. Their hopes were that the price of bear skins would drop during that time giving them a higher profit. Nowadays, the...
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The Benefits of Lifetime Income |
June 1, 2012 |
Annuity Basics, Cal Burgess, Index Annuities, Member Posts, Your Retirement
Written By: Cal Burgess, Retirement Servicing Group Today the traditional pension plan, or defined benefit plan, is a dream from the past. Outside of state or federal government jobs the pension is pretty much nonexistent. According to Forbes a 2010 survey by consulting firm, Towers Watson, found that between 1998 and 2010, the proportion of Fortune 100 companies offering pension plans fell from 67 percent to 17 percent. Instead, employees today count on their deferred compensation plan for retirement, which is causing their retirement age...
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Top 50 Annuities |
June 1, 2012 |
Fixed Annuities, Index Annuities, Variable Annuities
Barron’s distributes an annual ranking of the top annuities after their detailed review of hundreds of products. They rank them by category according to their type. The categories are: Immediate Payouts, Deferred Payouts, Fixed Index Annuity with Income Guarantee, and Deferred Variable Annuity. Making their list is a huge honor and most often requires that the carrier be ‘A’ rated. Please refer to the article posted by Karen Hube titled Top 50 Annuities for seeing viewing the top products. Click here for a quick link...
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