-
Karlan Tucker - Author
The Power and Protection of an Indexed Annuity (PDF Format)
For years, if Americans wanted opportunity, they would put their savings in the stock market. If they wanted safety, they used bank CDs or government bonds. The problem was you could have money positioned for opportunity or safety, but not both on the same dollar at the
same time.
-
Index Compendium
Special Annuity Reporting Series - Report #1
A close look at Kimberly Lankford's 2010 Kiplinger's Finance Magazine annuity article and what it meant for you 10 years ago.
-
Index Compendium
Special Annuity Reporting Series - Report #2
Index annuities are purchased by consumers that don't want to read the paper each day to see if they're winners or losers, because with index annuities they know they are never losers.
-
Index Compendium
Special Annuity Reporting Series - Report #3
Examine the facts on index annuities competitive performance in times of both high and low interest, and rising and falling stock markets.
-
FOX News
Ben Bernanke, the Chairman of the United States
Federal Reserve, Holds Annuities
The chairman's financial disclosure form, released Tuesday, showed that Bernanke is a millionaire, with holdings last year in no-frills investments, including U.S. Treasury securities, mutual funds and annuities.
-
Tom Cochrane - Annuity Digest
An Interview with Wharton Professor David Babbel - Part 1
Our findings regarding actual products show that since their inception in 1995, they have performed quite well - in fact, some have performed better than many alternative investment classes (corporate and government bonds, equity funds, money markets) in any combination.
-
Tom Cochrane - Annuity Digest
An Interview with Wharton Professor David Babbel - Part 2
What surprised me was that the returns outperformed the alternatives over the lifetime of their existence (since 1995) for every year that they have been issued.
-
Wharton Financial Institutions Center
Explore the world of fixed indexed annuity returns based upon actual contracts sold and actual interest credited. (PDF Format)
The first empirical exploration of fixed indexed annuity returns based upon actual contracts that were sold and actual interest that was credited.
-
University of Pennsylvania Scholarly Commons
Pension Payouts in Chile: Past, Present & Future Prospects
Review recent developments in the payout market for Chilean pensions, mainly annuities, and discover what makes the payout market in Chile so different from other nations.
-
The New York Times
The Unloved Annuity Gets a Hug From Obama
The administration is open to other solutions, though there are not many others that are as simple as the basic fixed immediate annuity (also known as a single premium immediate annuity) that delivers a regular check for life.
-
Bloomberg Businessweek
Retiree Annuities May be Promoted by Obama Aides
Annuities generally guarantee income until the retiree's death, and often that of a surviving spouse as well. They are designed to protect against the risk that retirees outlive their savings, a danger made clear by market losses suffered by older Americans over the last year
-
T. Rowe Price
Dismal Decade Offers Cautionary Lessons for Retirees
Retirees should have a sound
financial strategy for sustaining their
income throughout retirement. But
as the last decade has shown, the
stock market is capable of upending
even the best-laid plans.
-
Insurance News Net
Immediate Gratification: New Studies Show That
Immediate Annuities Add Both Income And Stability
To A Retirement Portfolio.
Annuities may get more negative press than any other financial product. To hear the critics, they're overpriced
and unfair to buyers.
-
Karen Hube - Barron's Cover
Best Annuities
Special Report -- Retirement: With their steady income payments, annuities are suddenly hot.
-
Margaret Collins - Bloomberg
Retirees may have to delay Social Security benefits and buy an annuity to have enough money for retirement, said a U.S. government study.
Retirees may have to delay Social Security benefits and buy an annuity to have enough money for retirement, said a U.S. government study.
-
GAO
RETIREMENT INCOME: Ensuring Income throughout Retirement Requires Difficult Choices
Financial experts GAO interviewed typically recommended that retirees
systematically draw down their savings and convert a portion of their savings
into an income annuity to cover necessary expenses, or opt for the annuity
provided by an employer-sponsored DB pension instead of a lump sum
withdrawal.
-
Putnam Investments
Retirement Optimal Asset Allocation
Once an individual has retired, asset allocation becomes a critical investment
decision. Unfortunately, there is no consensus on what the optimal allocation
should be for retirees of varying age, gender, and risk tolerance.
-
MetLife
Retirement Income
When would you rather lose money? That question might sound odd,
since a casual reader’s reaction is likely to be “never.” But the fact is
that when you are investing in the stock market over long periods of
time, experiencing a bear market (down market) is an inevitable fact of
financial life.
-
Senior Market Advisor
One vs. 114 complaints
My annual study on index annuity complaints shows on a sales volume adjusted-basis, annuity complaints have fallen 75 percent since 2007.
-
Market Watch
Retirees need fewer stocks, more annuities
Fewer stocks, more annuities. That, in essence, is the advice gleaned from two just-published reports for the benefit of those living in or approaching retirement.
-
CNBC
CEO Blog: It’s Time to Stop One-Sided Retirement Planning
Americans have lost more than $2 trillion in retirement savings in the last three and a half years. A recent AP poll says 42% of Baby Boomers surveyed said they’d delayed retirement due to lost money in their retirement plans, personal investments or real estate during the recent economic meltdown.
-
Bloomberg
Fixed Indexed Annuities and the Small Business Owner
Many business owners rely on the success of their business as their sole source of income and retirement savings. Normally, financial advisers recommend diversifying portfolios among stocks and bonds.
-
American Equity
The "REAL BENEFITS" of Indexed Annuities with the Annual Reset Design
A history of American Equity's Index-5
-
INDEX COMPENDIUM
Annuities Are Not Illiquid
Annuity naysayers complain that deferred annuities are illiquid, but that’s not what they mean, because
the statement “annuities are illiquid” is always connected to a comment on annuity surrender charges.
However, paying a fee to get liquid and illiquidity are not the same thing.
-
Wall Street Journal
Making the Case to Buy an Annuity
Retirees may get more financial security by combining insurance products and mutual funds, some analysts say
-
Smart Money
Retirees Should Have More Annuities, Fewer Stocks
Equities should be no more than 25% of your portfolio, says Robert Powell.
-
indexannuity.org
Kiplinger KO'd
In the September 2010 issue of Kiplinger’s Personal Finance Magazine Kimberly Lankford wrote
an article titled “An annuity you really should avoid” concluding “you get a lot less than investors in
the actual index would receive because of caps on returns and other limitations.” However, she conveniently
overlooks what happened if you had followed her advice a decade earlier.
-
indexannuity.org
Burns Baffled
Back in the fall of 1996, when index annuities were young, a reader asked financial pundit Scott
Burns his opinion. The reader said the annuity he was considering had a 7 year term and a design that
used the highest anniversary index value as the end point, calculated the total return over 7 years, and
then deducted 2.5% from the annualized return, giving the annuityowner the rest.
-
indexannuity.org
Cruz Control
The first index annuity was purchased in February 1995. It only took until October for Humberto
Cruz to begin bashing them.
-
indexannuity.org
Misleading MONEY Magazine Math
When Lisa Gibbs, the author of “The Safety Trap” article called me in May 2010 her very first comment
was “your complaint numbers are wrong because the NAIC complaint numbers are wrong and
actual complaints are much higher”. And it was that tone that resulted in the stridently biased antiannuity
Money magazine article that appeared in January 2011.
-
Yahoo Finance
4 Percent Withdrawal Rate May Be Too High for Today's Retirees
A recent paper has called into question the generally accepted rule that four percent is the amount you can safely withdraw from IRAs, 401(k) accounts, and retirement savings to generate reliable, lifetime retirement income.
-
Forbes
Reducing Regulatory Obstacles to Retirement Income Security
With nearly 80 million baby boomers starting their march into retirement, many policy-makers have begun to focus on how to provide secure retirement income in a fiscally sustainable way. This is no small challenge in an era of enormous deficits.