![Laura Johnson]()
Laura Johnson |
February 21, 2014 |
Fixed Annuities, Index Annuities
According to The Index Compendium, Jan 2014, “Although a few annuities ended the year crediting 5% to 6 % interest – and a couple product methods credited over 20% – the reality is most Index Annuities purchased December 2012 credited 2% to 3% in December 2013.” So why the huge discrepancy in credits? Jack Marrion, editor of Index Compendium, believes it is simply that the low bond yields a year ago did not allow carriers to buy much upside with their index link. But the...
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Laura Johnson |
February 13, 2014 |
Annuity Caps, Fixed Annuities, Index Annuities, Participation Rate
The idea of having a savings vehicle that can take advantage of the market upside while protecting your money from market downside sounds extremely promising. This is the usual description of a Fixed Index Annuity. But how do you choose which Fixed Index Annuity? Annuities have now many different options built into them and it make them harder to compare. To answer that question accurately, you first need to ask “What is the primary purpose of the money?” For example, many of my clients are...
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Laura Johnson |
February 5, 2014 |
401k and IRA Blogs, Annuities in IRAs
As you near retirement, your nest egg is even more sensitive to market volatility and potential loss of your hard earned savings. In fact, the US Federal Reserve released figures showing that the median US household net worth dropped 39% between 2007 and 2010, reducing 18 years of prior gains. If you were already retired and taking income from your nest egg, the devastation was even worse if you were exposed to the ever-changing stock-market. Many 401(k)s and other retirement plans offer fund options that...
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