Comments on: Pros and Cons of Fixed Annuities http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/ Annuity Education Resource for Consumers Thu, 11 Mar 2010 19:06:39 +0000 http://wordpress.org/?v=2.6 By: Florida Annuity http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-1101 Florida Annuity Wed, 10 Feb 2010 20:09:44 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-1101 If one is worried about the risk of inflation, yet, wants the stability of a guaranteed return similar to a traditional fixed annuity, then an equity-indexed annuity may be a good option. It is tied into an index like the S&P 500, and provides rather exceptional returns compared to a traditional fixed annuity when there is a rising market. However, if the market were to fall, your annuity would not lose value. In fact, they have a no loss clause, stating that no matter what happens to the market, your money is guaranteed. A safe investment vehicle with a no loss clause that can pay a percentage of a climbing market, would be a good alternative to a fixed annuity, if inflation was a concern. This is why it is important to check the financial strength ratings of the carriers you are considering. Jason Hawkins Owner The Koenig Group LLC If one is worried about the risk of inflation, yet, wants the stability of a guaranteed return similar to a traditional fixed annuity, then an equity-indexed annuity may be a good option. It is tied into an index like the S&P 500, and provides rather exceptional returns compared to a traditional fixed annuity when there is a rising market. However, if the market were to fall, your annuity would not lose value. In fact, they have a no loss clause, stating that no matter what happens to the market, your money is guaranteed. A safe investment vehicle with a no loss clause that can pay a percentage of a climbing market, would be a good alternative to a fixed annuity, if inflation was a concern. This is why it is important to check the financial strength ratings of the carriers you are considering.

Jason Hawkins
Owner
The Koenig Group LLC

]]> By: Gabby http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-1098 Gabby Wed, 10 Feb 2010 06:24:35 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-1098 Many people get an annuity with the plan of receiving payments throughout retirement. Even though there are quite a few negatives, I would definitely opt for a fixed annuity Many people get an annuity with the plan of receiving payments throughout retirement. Even though there are quite a few negatives, I would definitely opt for a fixed annuity

]]> By: Stock Insider Buying and Selling http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-1093 Stock Insider Buying and Selling Tue, 09 Feb 2010 04:14:27 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-1093 Thank you for a comprehensive overview of all PROs and CONs, it definitely inspired me to do more reading on annuities. Thank you for a comprehensive overview of all PROs and CONs, it definitely inspired me to do more reading on annuities.

]]> By: Free Cell Phone Spy http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-1090 Free Cell Phone Spy Mon, 08 Feb 2010 12:21:05 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-1090 An important factor is that of tax liability. In case of tax deferred fixed annuities, the earnings within the annuity are not subjected to taxability until they are withdrawn. This may offer its own advantages, like tax control, along with a higher potential for growth An important factor is that of tax liability. In case of tax deferred fixed annuities, the earnings within the annuity are not subjected to taxability until they are withdrawn. This may offer its own advantages, like tax control, along with a higher potential for growth

]]> By: Herrenmode http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-1074 Herrenmode Sat, 06 Feb 2010 15:12:45 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-1074 Very helpful post. In my opinion the Pros of fixed annuities are stronger than the Cons. Very helpful post. In my opinion the Pros of fixed annuities are stronger than the Cons.

]]> By: Savvyness http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-1047 Savvyness Wed, 03 Feb 2010 03:26:35 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-1047 I did not know annuities once annuitized cannot be surrendered for value. Thank you for teaching me somthing new! Good post. I did not know annuities once annuitized cannot be surrendered for value. Thank you for teaching me somthing new! Good post.

]]> By: Chrome Bar Stool http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-1017 Chrome Bar Stool Wed, 27 Jan 2010 06:09:57 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-1017 Awesome article again. The best site I've come across to help me prepare for my retirement. Thanks a bunch. Cheers Awesome article again. The best site I’ve come across to help me prepare for my retirement. Thanks a bunch. Cheers

]]> By: health care http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-996 health care Tue, 26 Jan 2010 03:02:15 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-996 Annuities once annuitized cannot be surrendered for value. Income from deferred annuities is taxed as ordinary income <a href="http://www.style360spot.blogspot.com" rel="nofollow">fashion</a> and withdrawals prior to age 59 ½ are subject to a 10% penalty. Annuities once annuitized cannot be surrendered for value. Income from deferred annuities is taxed as ordinary income fashion and withdrawals prior to age 59 ½ are subject to a 10% penalty.

]]> By: Savings http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-986 Savings Fri, 22 Jan 2010 11:26:36 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-986 Fixed annuities have their pros and cons but at the moment can they compete with a structured investment? Structured investments are insured by the FDIC and follow the stock market offering great returns. Whats your thoughts on the comparison? Fixed annuities have their pros and cons but at the moment can they compete with a structured investment? Structured investments are insured by the FDIC and follow the stock market offering great returns. Whats your thoughts on the comparison?

]]> By: Sonny http://www.annuity-fixed-variable.com/annuities/2009/01/07/pros-and-cons-of-fixed-annuities/#comment-918 Sonny Mon, 04 Jan 2010 18:32:22 +0000 http://www.annuity-fixed-variable.com/annuities/?p=223#comment-918 there are many pros and cons to an annuity but it really comes down to your specific situation. many people get an annuity with the plan of receiving payments throughout retirement. but things happen and if you ever need immediate cash, you can sell your annuity for a lump sum payment. it's good to have options. there are many pros and cons to an annuity but it really comes down to your specific situation. many people get an annuity with the plan of receiving payments throughout retirement. but things happen and if you ever need immediate cash, you can sell your annuity for a lump sum payment. it’s good to have options.

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