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Choosing an annuity is made out to be the most difficult decision in the world but it really doesn’t have to be. There is a logical progression to be made when making a choice. In this post I will go over the steps that need to be taken to make the right choice. Before getting into [...] Security Benefit is offering a special product that offers unlimited gains without risk to principal. All fixed indexed annuities offer the ability to grow assets without risk to principal but they all have limits on upside potential. Some cap the growth potential on an annual basis while others only pass a percentage of the growth [...] With the 10 year treasury at 1.5%, CD rates are at 30 year low yields. The current 5 year CD rate in Connecticut is now around 1% which is actually a bit lower than the 3 year CD rates being offered. Bankrate.com is the best place to find all local CD rates available. Click her [...] Guggenheim has come out with a new fixed annuity with rates guaranteed for the entire term. Terms range from 3 to 10 years depending on your preference. Details of the plan are below including a link for a product brochure. Guggenheim Life – “Preserve Multi-Year Guaranteed Annuity” The ability to sustain a steady income during retirement years has always been a primary concern for people in the United States. Recent studies have shown that 61% of U.S residents age 44 to 75 are more afraid of running out of savings/income than they are of death. In order to avoid exhausting a savings [...] It is always advisable to have reserve or emergency money to guard against financial crisis. Those who are fortunate enough to have reserve money set aside usually keep it in a savings account or money market. The idea is to keep the money in an easily accessible account and to limit any fluctuation in value. [...] |
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