Immediate and Income Annuities

• A Basic Lesson in Immediate Annuities — An immediate annuity can provide unique guarantees, security and flexibility which can help solve many of your income needs.
• A Ladder of Annuities Can Hedge Your Bets — If you like the security of guaranteed payments and you believe rates will rise in coming years, you can hedge your bets by laddering annuities.
• Annuity Lifetime Payouts — One of the great features of immediate annuities is their ability to provide you with income for the rest of your days — in effect, a lifetime stream of income that you can never outlive.
• Best Money Moves for Seniors — To have the retirement you want now, you may have to tap a little more of your earning power -- and tap into your spirit of adventure. Here are 6 ways to make it happen.
• Buying an Annuity? Kick the Tires. — Immediate annuities promise that your money will be there when you need it. But many investors are questioning how good those guarantees really are.
• Groups Push Annuities to Stretch Out Nest Eggs — With the vanguard of the baby boomers approaching retirement, many face the risk of living too long with too little money in their nest eggs. The solution, according to some lawmakers, is annuities.
• How to Compare Top Immediate Annuities — In the aftermath of the great financial meltdown, from which few investors escaped unscathed, immediate annuities have taken center stage as the lead role in the unfolding drama of economic uncertainty.
• Immediate Annuities and Retirement Portfolios — Mention the word "annuity" and eyes start to glaze over. Annuities, however, are important to explore because people are buying them all the time.
• Immediate Annuities Can Help Retirees Offset Market Losses — Retirees who watched in horror as their account balances plunged along with the stock market face a new challenge: how to generate enough income to pay their bills.
• Immediate Annuities Have Their Benefits — Immediate annuities have been a part of our American financial structure for centuries, although most people would confess that they know little about them.
• Immediate Annuities: Insurance for the Long Run — An immediate, or income, annuity is an insurance product that can guarantee an income for life.
• Immediate Annuities: They're Insurance Against Living Too Long — To guard against the risk of living "too long," most Americans should consider an immediate annuity to cover at least part of their essential expenses in retirement, such as food and housing.
• Making a Case for Annuities — Put together a good nest egg, and its dividends and interest would pay your bills. You could live as a "coupon clipper." If you wanted to get fancy about it, you could say you were a rentier – or at least a person of independent means.
• Mom Needs Income — She needs from $400 to $500 monthly income for the rest of her life. What low-risk, no long-term investment prescription do you suggest?
• Monthly Checks for Life: 5 Rules for Immediate Annuities — Given the now obvious shortcomings of the 401(k) and the fact that fewer and fewer of us have a company pension, it makes sense to set up a reliable income stream that will continue for as long as you live.
• Retiring with an Immediate Annuity — You have to come up with a strategy that will allow you to enjoy spending the money you've saved without constantly worrying that you're running through it too quickly.
• Role of the Payout Annuity — Having increased your deferred or variable annuity account balance for many years you have several choices for removing your money. You could just surrender the annuity for cash or take out money as you need it.
• Set For Life: Fixed-Immediate Annuity Offers the Allure Of Steady Income Stream — There's one annuity that doesn't have a mile-long rap sheet - the lifetime-fixed-immediate annuity. And despite its mouthful of a name, it's the easiest annuity to understand, the cheapest to buy and for some people the most desirable to own
• SPIA FAQs — SPIA questions answered!
• SPIAs are Embedded Option Contracts — Throughout tumultuous markets, it's reassuring that retirees who rely upon income from single-premium immediate annuities (SPIAs) remain confident in the automatic payments they receive.
• Try Annuities On for Size — Among economists and academicians, there is growing consensus that annuitization can go a long way toward helping provide retirement security for millions of Americans.
• When Buying Immediate Annuities, Consider your Age — Buying immediate annuities guarantees income-hungry retirees a lifetime stream of income. Many invest approximately a quarter of their funds in an immediate-fixed annuity.
• Why You Should Use Immediate Annuities — If you think you have enough to get by, think again; while many people anticipate living another 15 or 20 years past 65, you or your spouse has a 50 percent chance of living into your nineties.