Category Archives: Annuities

Annuity Payments: What Do They Mean to Me?

Determining whether an annuity is right for you isn’t easy, especially when it’s not the simplest subject to research and understand. Before choosing to invest in an annuity, you must first learn about what an annuity is, the different kinds of annuities, and what they mean for your future. While it takes a lot more

I Can’t Believe I have Been Blogging for 4 Years

On August 5th of 2008 I put up my first post.  I had no idea if anyone would read about my journey, nevertheless care about what was going on in my life, but I wanted to share my thoughts with whoever wanted to read them.  Since putting that first post up I have seen somewhere

What is a Longevity Annuity?

You may not agree with how the product is used, sold or priced but you really have to respect the financial industry for being able to make a products to fit almost all situations.  I recently heard about a relatively new product called a Longevity Annuity which seems to operate like an extended deferred annuity

Would You Build an Income Stream Based on SPIAs If you are 30?

With pensions becoming as common as the Dodo bird, annuities are losing their negative connotation and are even becoming more and more popular in the main stream financial media.  Despite the fact that I am only 30 I have started giving real thought to purchasing small staggered Single Premium Immediate Annuities as part of my

Insurance Products Should Not be a Four Letter Word When it Comes to Retirement Income Planning

The Wall Street Journal had a recent article that I think was detrimentally incomplete even taking into account that it is 1,000 words on a subject that can take years to master.  The article, “You Need a Plan to Boost Retirement Income” by Jeff D. Opdyke highlights three asset vehicles/classes that he thinks should take

Would You Buy a United States Government Annuity?

Would You Buy a United States Government Annuity?

As the baby boomers get older and older it is almost impossible to pick up a financial publication that doesn’t discuss turning one’s nest egg into a stream of income.  It has been a while since I explained both an immediate annuity and deferred annuities, but basically they are financial products that turn a sum