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Choosing a Fixed or Index Annuity. Both fixed and index annuities offer income for retirement with some tax advantages and investment protection. But choosing one over the other depends on your ...
The type of annuity you choose — fixed, variable or indexed. Current interest rates. Whether you want payments just for yourself or to continue to a spouse. Extra features you add to the annuity ...
An annuity can help you save for retirement and has favorable tax benefits. Experts caution that annuities can be complex and risky, and that they can have high commission fees and may be ...
A deferred annuity that permits allocations to stock or bond funds and for which the account value is not guaranteed to stay above the initial amount invested is called a variable annuity (VA). A new category of deferred annuity, called the fixed indexed annuity (FIA) emerged in 1995 (originally called an Equity-Indexed Annuity). [5]
An indexed annuity (the word equity previously tied to indexed annuities has been removed to help prevent the assumption of stock market investing being present in these products) in the United States is a type of tax-deferred annuity whose credited interest is linked to an equity index—typically the S&P 500 or international index.
Download as PDF; Printable version; ... an annuity is a series of payments made at equal intervals. [1] ... is the number of terms and ...
A fixed index annuity can significantly impact your retirement income. Understanding the pros and cons will help ensure the impact is a positive one if you decide to invest. Benefits of a Fixed ...
Indexed annuities: An indexed annuity tracks an index like the S&P 500 and offers a capped return based on the total returns of the index. Some indexed annuities offer a minimum level of return as ...