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You are here: Home / Archives for Annuities Good or Bad

Are Annuities Good or Bad?

November 22, 2011 By Annuity Guys®

In and of themselves, annuities just like any other investment are not technically good or bad. An annuity can, however, be considered appropriate or inappropriate for particular situation.

There is a wide variety of annuity types to choose from, each with its own special features and benefits as well as pros and cons as to why they would or would not suit the specific goals of an individual.

  

 

For example, fixed annuities pay a set amount of interest every year, while variable annuities# pay a fluctuating, or variable, rate based on the performance of the underlying investments. There are also several variations of annuities that combine some characteristics of both fixed and variable annuities#.

Certainly, one of the most popular reasons that people use annuities is to provide income in retirement. In fact, annuities may be referred to as “financial vehicles” that can offer an income that cannot be outlived (although this can be an incorrect stereotype depending upon the type of annuity or optional income payout that is chosen).

In any case, when an individual funds an annuity contract from an insurance company, he or she can feel secure in knowing that he or she will receive an income for life or at least the period of time chosen and specified.

Filed Under: Annuity Reviews Tagged With: Annuities Good or Bad

 

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  ** Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values. Annuities are not FDIC insured and it is possible to lose money.
Annuities are insurance products that require a premium to be paid for purchase.
Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.
During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.


  *Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping Annuity Guys website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this educational Annuity Guys Website. He still maintains his insurance license in good standing and assists his current clients.
Annuity Guys' vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)



  # Investors should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The current prospectus and underlying prospectuses, which are contained in the same document, provide this and other important information. Please contact an Investment Professional or the issuing Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.


  ^ Investors should consider investment objectives, risk, charges, and expenses carefully before investing. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.


  ^ Eric Judy offers advisory services through Client One Securities, LLC an Investment Advisor. Annuity Guys Ltd. and Client One Securities, LLC are not affiliated.