Annuity-like products have been around for literally centuries. So why is annuity retirement planning becoming so popular all of a sudden? By far the most significant contributing factor to this undeniable trend is the tremendous volatility and downside risk that has prevailed in global financial markets recently. Average folks who bought and held stocks or bonds for the long-term, as they have always been advised, found their net worth ravaged by a global sell-off that spared only two assets: US Treasuries and gold. An entire decade of gains was erased in less than a year, most in fewer than 6 months. Annuities provide solutions that no other single asset class can provide.
First, annuities provide a higher level of current income than almost any comparably credit-worthy bond. Even fixed rate annuities can yield 8% or more, much of that tax-free, depending on the buyer’s age and the underlying investments. That yield is significantly higher than even AAA-rated corporate bonds, and since the annuity industry is highly regulated, an annuity is arguably a safer investment than the debt of companies like Citigroup, General Electric, and General Motors – all of which were rated at AAA just 5 years ago.
Second, annuities provide protection of principle. This can take a number of forms. The first form is a guaranteed minimum payment, which guarantees that the buyer receives the nominal principle back over the course of payment. Another way to guarantee principle is through the purchase of insurance contracts that protect against a down market, in the case that the annuity’s principle is invested in index funds or more volatile but high income-generated preferred equity securities. Either way, the purchaser will often receive sort of guarantee that they won’t lose money outside of the fees and expenses associated with selling the annuity, investing the principle, and protecting the principle from market volatility through the purchase of (sometimes expensive) options contract.
Third, annuities usually provide income until the buyer dies or the buyer and his or her spouse die. This is an attractive option for many older people and couples whose good health makes it conceivable that they will outlive their wealth. Since annuity payments are calculated on age and not health, a healthy individual can actually stand to make quite a bit of money from a fixed rate annuity should he or she outlive the annuity seller’s expectation of their lifespan (which is, to be fair, often an estimate that the buyer will live longer than average).
Last, many annuities provide exposure to upside moves in the equity and bond markets. While protection against downside is pricey, in today’s environment – many would agree an oversold market – not having exposure to upside could be a costly mistake. Annuity retirement planning provides those planning for retirement with significant potential to grow wealth while they rest assured that they are preserving most of it.
[...] won’t outlive your income. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Business Article Depot — April 23, 2009 @ 8:10 am
[...] you’ve become accustomed to. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by SEOcontest2008 » Annuities Provide More Secure Options for Retirement — April 23, 2009 @ 8:10 am
[...] sold for cash when you need it. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Invoice Factoring — April 23, 2009 @ 8:10 am
[...] sold for cash when you need it. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Finance Infos — April 23, 2009 @ 8:10 am
[...] become accustomed to. About the Author: Jones Taylor has written several articles about Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by TACF Articles » Annuities Provide More Secure Options for Retirement — April 23, 2009 @ 8:11 am
Most people carry fire, health and car insurance, but these products do not protect you against the most serious risk you face in retirement: Living longer than your assets.
Purchasing an annuity can be a great way to guarantee your retirement income for as long as you live as well as protect your assets from inflation, stock market fluctuations, a serious medical crisis or other unforeseen circumstances. An annuity can help bolster your retirement financial plan by guaranteeing your retirement income.
Comment by Annuity Ratings — April 24, 2009 @ 12:03 am
[...] sold for cash when you need it. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Annuities Provide More Secure Options for Retirement | Useful Info About Finance — April 24, 2009 @ 8:16 am
[...] become accustomed to. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement — April 24, 2009 @ 8:16 am
[...] become accustomed to. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Big Article Directory — April 24, 2009 @ 8:18 am
[...] become accustomed to. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Annuities Provide a Secure Future in Retirement | Save James — April 24, 2009 @ 8:18 am
[...] you’ve become accustomed to. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Convivium Article Library » Annuities Provide More Secure Options for Retirement — April 24, 2009 @ 8:19 am
[...] you won’t outlive your income. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement income [...]
Pingback by Annuities Provide a Secure Future in Retirement | Very Simple Articles — April 24, 2009 @ 8:20 am
[...] become accustomed to. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement | Refinancing made easy — April 24, 2009 @ 8:23 am
[...] become accustomed to. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by UBB Articles » Annuities Provide More Secure Options for Retirement — April 25, 2009 @ 6:05 am
[...] be sold for cash when you need it. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by HBD Articles » Annuities Provide a Secure Future in Retirement — April 25, 2009 @ 6:05 am
[...] outlive your income. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement | About Family Budget — April 25, 2009 @ 6:05 am
[...] you’ve become accustomed to. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Cash Loans for me — April 25, 2009 @ 6:07 am
[...] be sold for cash when you need it. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Annuities Provide More Secure Options for Retirement | About Personal Finance — April 25, 2009 @ 6:07 am
[...] won’t outlive your income. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by SLSF Articles » Annuities Provide More Secure Options for Retirement — April 26, 2009 @ 9:55 am
[...] you won’t outlive your income. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement | i Article Collection — April 26, 2009 @ 9:56 am
[...] won’t outlive your income. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement | More Money For You — April 26, 2009 @ 9:58 am
[...] be sold for cash when you need it. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Articles | Articles-R.us — April 26, 2009 @ 9:58 am
[...] sold for cash when you need it. About the Author: Jones Taylor has written several articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement | TopUniqueArticles.com | Best Article Directory Online | Submit Free — April 26, 2009 @ 9:58 am
[...] outlive your income. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by BHG Articles » Annuities Provide a Secure Future in Retirement — April 26, 2009 @ 9:59 am
[...] won’t outlive your income. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement » Credit and Insurance.info — April 26, 2009 @ 9:59 am
[...] sold for cash when you need it. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Florida Real Estate Forum — April 27, 2009 @ 8:46 am
[...] you’ve become accustomed to. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement | Isulong Articles — April 27, 2009 @ 8:48 am
[...] you’ve become accustomed to. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by » Annuities Provide More Secure Options for Retirement Learning Is Free: Need an answer? Start here! — April 28, 2009 @ 9:11 am
[...] won’t outlive your income. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Enjoy Security Through an Annuity in Retirement | About Family Budget — April 28, 2009 @ 9:12 am
[...] become accustomed to. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by DEL Articles » Annuities Provide a Secure Future in Retirement — April 28, 2009 @ 9:13 am
[...] you’ve become accustomed to. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Enjoy Security Through an Annuity in Retirement :Fresh Web Content — April 28, 2009 @ 9:18 am
[...] you’ve become accustomed to. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by ArticleJunktion.com» Annuities Provide More Secure Options for Retirement — April 28, 2009 @ 9:25 am
[...] be sold for cash when you need it. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement — April 28, 2009 @ 9:34 am
now in my rss reader)))
————————
signature: http://semev.ru/
Comment by LinianunKgogs — April 28, 2009 @ 5:38 pm
[...] won’t outlive your income. About the Author: Jones Taylor has written several articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement | About Family Budget — April 29, 2009 @ 3:18 am
[...] sold for cash when you need it. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by TAPF Articles » Enjoy Security Through an Annuity in Retirement — April 29, 2009 @ 3:19 am
[...] become accustomed to. About the Author: This author has written several articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement | Get Better Credit Today — April 29, 2009 @ 3:20 am
[...] you’ve become accustomed to. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Articles | Articles-R.us — April 29, 2009 @ 3:21 am
[...] you’ve become accustomed to. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Articles on Finances » Blog Archive » Enjoy Security Through an Annuity in Retirement — April 29, 2009 @ 3:21 am
[...] be sold for cash when you need it. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by SEOcontest2008 » Enjoy Security Through an Annuity in Retirement — April 29, 2009 @ 3:22 am
[...] be sold for cash when you need it. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Enjoy Security Through an Annuity in Retirement | ShareOffers — April 29, 2009 @ 3:23 am
[...] sold for cash when you need it. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement — April 29, 2009 @ 3:24 am
[...] endure your income. About the Author: Jones Taylor has created multiform articles about Annuity retirement and Annuity sell which will support those who do not assimilate conditions such as annuity, early [...]
Pingback by Annuities Provide More Secure Options for Retirement — April 29, 2009 @ 3:32 am
now in my rss reader)))
————————
internet signature: http://ponon.ru/erl375s
Comment by LinianunKgogs — April 29, 2009 @ 7:04 am
[...] you won’t outlive your income. About the Author: This author has written several articles on Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement | ☃ Articoolz.com — April 29, 2009 @ 3:10 pm
[...] sold for cash when you need it. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Fresh Squeezed Articles » Enjoy Security Through an Annuity in Retirement — April 30, 2009 @ 10:09 am
[...] be sold for cash when you need it. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by SLST Articles » Annuities Provide a Secure Future in Retirement — April 30, 2009 @ 10:10 am
[...] you’ve become accustomed to. About the Author: Jones Taylor has written several articles on Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement | Humdy — April 30, 2009 @ 10:11 am
[...] sold for cash when you need it. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t understand terms such as annuity, [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Business And Finance — April 30, 2009 @ 10:12 am
[...] become accustomed to. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Where St. Louis Eats » Annuities Provide More Secure Options for Retirement — April 30, 2009 @ 10:14 am
[...] become accustomed to. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Loans and Credit 4 all — April 30, 2009 @ 10:14 am
[...] outlive your income. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement « Metropolitan Loans — April 30, 2009 @ 10:17 am
[...] won’t outlive your income. About the Author: This author has written several articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Finance Articles » Blog Archive » Enjoy Security Through an Annuity in Retirement — May 1, 2009 @ 7:41 am
[...] sold for cash when you need it. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Enjoy Security Through an Annuity in Retirement | Humdy — May 1, 2009 @ 7:42 am
[...] become accustomed to. About the Author: This author has written numerous articles about Annuity retirement and Annuity sell that will assist those who don’t know terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement : BAREX - Business & Finance — May 1, 2009 @ 7:46 am
[...] outlive your income. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide a Secure Future in Retirement | World News — May 3, 2009 @ 1:13 am
[...] become accustomed to. About the Author: Jones Taylor has written numerous articles about Annuity retirement and Annuity sell that will help those who don’t understand terms such as annuity, retirement [...]
Pingback by Annuities Provide More Secure Options for Retirement | World Estate News — May 3, 2009 @ 7:39 am
[...] agents can help you find an annuity retirement plan that will best fit your needs based upon your specific conditions. Annuities were once [...]
Pingback by Annuities for Retirement « Market Entaire Blog — May 6, 2009 @ 12:53 pm
[...] annuity retirement, you get what you put in. You’ve got standards and tastes you don’t want to give up as you [...]
Pingback by Annuity Retirement Products Deliver the Lifestyle You’re Used to « Market Entaire Blog — May 14, 2009 @ 5:40 pm
[...] taking a look at all of the annuity retirement options out there, it may be difficult to know when you have found the best one. How do you know [...]
Pingback by Annuity Retirement Programs « Market Entaire Blog — June 21, 2009 @ 2:59 pm
[...] annuity retirement plan is one of the best ways that you can secure your financial future and ensure that you will be [...]
Pingback by Secure your Financial Future with an Annuity « Market Entaire Blog — June 24, 2009 @ 2:58 pm
[...] the finer life your work income has provided you. Why live on less in retirement? With an annuity, retirement contribution has no limits, so you can be sure you’ll have an ample income that can afford you [...]
Pingback by Annuity Can Offer Luxury in Retirement « Market Entaire Blog — August 10, 2009 @ 11:58 am
[...] about your retirement plans than you need to speak with your insurance agent and see if there are annuity retirement solutions for your concerns. There are a number of annuity options that are out there that can give [...]
Pingback by An Annuity Retirement Solution « Market Entaire Blog — September 30, 2009 @ 10:18 am
[...] next time that you decide to review your retirement portfolio, consider adding in an annuity retirement program in order to make sure that you have a well-balanced portfolio. The American public has good [...]
Pingback by Annuities Provide You with What Social Security Can’t « Market Entaire Blog — October 1, 2009 @ 11:44 am
[...] portfolio without having a lot of knowledge about these types of investments can be challenging. Annuity retirement investments are growing in popularity because of their simple structure and uncomplicated [...]
Pingback by Annuity Retirement Programs: A Sound Investment Option « Market Entaire Blog — December 22, 2009 @ 9:36 am
[...] Annuity retirement plans are designed to give retirees a level of financial security that they can not obtain through other investment options. [...]
Pingback by Annuity Retirement Plans are Crucial to Balanced Portfolio « Market Entaire Blog — January 7, 2010 @ 10:28 am
[...] your retirement portfolio doesn’t already include an annuity retirement investment, then you should consider talking to an insurance agent or your financial [...]
Pingback by Annuity Retirement Investment Opportunities « Market Entaire Blog — February 10, 2010 @ 10:18 am