When in the market for any investment it is very important to remember how taxes will affect you. Just in recap lets discuss immediate annuities and how they work. Immediate annuities use a lump sum payment and annuitize it to create a lifetime income stream. In 2018 almost 10 billion dollars were annuitized through immediate…

In times of market hardship it’s common for investors to flock to bond yields in order to safeguard their money. But is today’s bond market really the most efficient place to avoid market losses? I believe that current bond yields actually are not the most efficient way to protect your portfolio from market losses. It’s…

Beating the market is a goal many investors share and in recent years it has become almost unattainable. Here at Annuity USA, we created a model to test what an efficient method of beating the market would look like and we came across some surprising results. A Fixed-Indexed Annuity (FIA) with a good participation rate…

Just like any other major insurance product annuities have many nuances and challenges that affect investors understanding of what they are really purchasing. As the popularity of the annuity industry has increased in the last decade it has been difficult to separate efficient strategies from the noise. So let’s break down some common annuity riders,…

What are fixed Annuities? Fixed index annuities were introduced to the insurance world in 1995 and have quickly become one of the most popular retirement products in the United States. FIAs have many similarities with variable annuities. They are an annuity product that is attached to a benchmark index like the SP500. The major difference…

In order to unpack all the intricacies that come with deciding how an annuity would impact your retirement, let’s define an annuity. An annuity is an insurance product that you pay into in order to receive cash payments in the future. There are hundreds if not thousands of different ways that annuities can be structured.…