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Tag Archive: annuity advisor in woodstock ga

Annuities as Bond Alternatives

Morgan Hill

For decades, a commonly cited rule of thumb for retirement portfolios has been the “rule of 100.”  It states that individuals should hold a percentage of stocks equal to 100 minus their age. So, for a typical 60-year-old, 40% of the portfolio should be equities and 60% of the portfolio should be held in conservative or otherwise fixed-rate investments; bonds, treasuries, CDs, etc. However, with the large majority of these safe investments pay out roughly 2%-4%, many investors are keeping their exposure to equities disproportionately...

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What Should I Believe About Annuities?

Jason Weckel

Of the entire spectrum of financial tools and products that have been available to investors over the last several decades, virtually none of them have been so polarizing as annuities. In theory, they are attractive options for retirees looking for a consistent income stream often times supplementing a pension or Social Security. Yet there is no shortage of articles both on the Internet and in print advising would-be annuity owners about the many pitfalls of these instruments. Some commentators offer cautious, thoughtful insight into the...

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