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Tag Archive: Interest Rates

Finding an answer to the CD interest crisis fixed annuity vs. CD’s

Henry Monahan

A co-worker once told me the CD didn’t stand for certificate of deposit anymore, it stood for certificate of disappointment. For the past 7 years, the United States has been in a historically low interest rate environment. For many retirees, who are accustomed to supplementing their income with their certificate of deposit interest, the lower interest rates made it necessary to look elsewhere for safe income while protecting principal. As of April 22, 2016, the most competitive 5-year CD rates were around 2.1% to 2.2%....

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AXA Equitable’s Accumulator “Buyout Offer,” Should You Accept or Not?

Jeremy Reif

AXA Equitable was one of the pioneers of the Guaranteed Minimum Benefits (death or income) or Earning Enhancement benefits. During their heyday, the “Accumulator” was one of the top products available to consumers. Similar products were offered through; Hartford, Transamerica, American Scandia, Prudential, Jackson National, John Hancock, and MetLife to name a few. Of the companies listed, all have changed their current offerings for a wide variety of reasons. John Hancock left this annuity space, Hartford offered a buyout of their own and sold their...

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