Anton Hendler |
January 27, 2014 |
Fixed Annuities, Index Annuities
Much has been written about FIAs (Fixed Index Annuities) but the point we would like to make in this article is that an annuity is, at the end of the day, an insurance product and one should look at it as insurance on your retirement. Because there is no down-side risk, the insurance company guarantees your investment but, not only that, in the case of a FIA, the company will allow you to share in the market growth subject to certain limitations. As with any...
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Anton Hendler |
January 16, 2014 |
Annuity Basics, Annuity123, Fixed Annuities, Index Annuities, Member Posts
As with any investment, one makes a call based on risk and reward. Fixed Index Annuities continue to offer one of the best trade-offs in the market. However, it is still important that one stays abreast of what is happening in the market and what products are being offered as these change on an ongoing basis in response to the market and what demand is driving the insurance companies to offer. For instance, as interest rates remain low, but the markets showed increases over the...
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Anton Hendler |
January 6, 2014 |
Annuity Basics, Annuity123, Fixed Annuities, Index Annuities, Member Posts
The next time you hear that the market has averaged 7% or 10% over the last so many years; you need to be wary about who is making the claim and how they are basing their assertion. An average rate of, say, 7% is only an average of the rates of the past so many years divided by the number of years. If you were to apply the formula to your actual money, you will find quite another result if the market has been in...
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Anton Hendler |
November 18, 2013 |
Annual Reset, Annuity Caps, Fixed Annuities, Index Annuities, Member Posts, Participation Rate
For those of you who are clients of ours, you will know that one of our primary retirement strategies is the use of the right combination of annuities including Fixed Index Annuities (FIAs). Fixed Index Annuities (FIAs) are annuities which are tied to the stock-market via one or a combination of indexes such as the S&P 500. This allows owners of these annuity policies to share in any upside growth BUT at the same time, investors are shielded from any downside risk. The most important...
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