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Annuities Reviews

Annuities Reviews








The Truth About Annuities Reviews


Just as with most things in life, everyone seems to have a different opinion on everything. The same goes for annuities reviews, they are just as mixed. The key is to understand what your goals or needs are prior to purchasing an annuity. If you choose one that is not right for you and your situation then your review would be negative.

On the other hand, if you research annuities, do your legwork and find one that fits your needs, then you would probably have a much more positive opinion of the annuity. So what must you look for when searching for annuities?

During the research period of annuities reviews, you must ask very specific questions of yourself; including how long can you leave your investment tied up in an annuity. Are you able to put the money in the account and leave it alone for a number of years or will it be something you may have to rely on if you have an emergency arise.

In this sense, are you looking to this as a long-term investment to be used as retirement income? Alternatively, do you need your principle to be fairly liquid in the event of an emergency? Many annuities can be costly to maintain and even more expensive if you must withdrawal the money early.

An annuity can be a great retirement investment for someone that is able to place their money in an account and leave it there for at least eighteen years. However, annuities reviews that tend to be negative may discuss the number of fees and costs that are required to have an annuity. There are maintenance fees, insurance costs and the cost of death benefits, making this an expensive option for someone that is dependant upon the initial invested amount.

On the other hand, these can be innovative options for those that are looking for an interest bearing, tax-deferring way to generate guaranteed income during the retirement phase of life. Positive annuities reviews may include the extensive flexibility they allow in payouts.

One can choose a lump sum, a certain amount of payout during a specified period or it can be used to help cover the remainder of ones life in the event that their other investments ran out. What ever your opinion, you will find mixed annuities reviews when researching your options. One must remain unbiased and make choices based on their individual situation.





 


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Annuities and Time Value of Money

By Carson Koziol
I would suspect anyone reading this article is familiar with annuities. Hence, this article will concentrate on the time value of money. If you want information on annuities, click any of the numerous links on this site that discuss annuities.
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What Is an Annuity?

By Cheryl David
An annuity is an agreement under which you invest money, and in return you receive a stream of income for a specified period of time. As you near retirement, annuities can be one way to guarantee that you don't outlive your retirement income, but choosing an annuity can be tricky and shouldn't be done without personalized advice. That being said, here's a brief overview of how annuities work.
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Fixed Annuities - Tax Deferral and When to Invest Versus a 401k

By John C Ryan
When it comes to retirement investment decisions, most people have little more than a few snippets of information or "lessons". In this article we discuss the commonly considered fixed annuity, discuss its tax implications, and provide an overview of when you should really consider taking advantage of the tax deferred benefits versus simply using your 401k.
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The Bonus Annuity Truth

By Robert C Eldridge Jr
Bonus annuities usually offer a high first year interest rate and thereafter the rate goes down. Bonus annuities were intended for people to make back past losses or to help offset surrender charges that were incurred by surrendering a policy before the policy term ended. Some brokers/agents use the easy sell of a premium bonus to entice a client to buy an annuity from them.
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Annuities - Did My Annuity Agent Rip Me Off?

By Tony Bahu
If you could only have a crystal ball to see if the annuity you purchased was going to be your best friend or your worst enemy...well, let's take a look and see if you got ripped off by your insurance agent! I often get called from people who own annuities and the first question they ask goes something like this: 'I own a (insert annuity name here). Did I get ripped off? It's not an easy question to answer but let's take a look at that.
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Annuities Reviews | Annuity Fyi | Tax Shelter Annuity | Deferred Annuity Calculator | Annuity Definition Variable | Amerus Annuity Group