Comments on: CD versus Fixed Annuity Comparison

By: Student Windows

Student Windows — Wed, 17 Feb 2010 20:54:28 +0000

Seems deferred fixed annuity is the way to go in my opinion, but opinions rarely matter when it comes to money. Either way, great post!

By: buat duit

buat duit — Fri, 12 Feb 2010 11:06:50 +0000

great article about the comparison bout CD vs fixed annuity. but i’m a little bit confused bout the term used. may be i’m not really expert in this field

By: sharepoint lms

sharepoint lms — Thu, 11 Feb 2010 11:04:57 +0000

Interesting indeed. Just the ideal article I have to show my dad. Just contributing to the topic, I think no part of the CD investment can be utilized during the investing time period, whereas the annuity will issue income checks each month for the retiree, a spouse and even an heir.

By: Fileld Inspector Josh

Fileld Inspector Josh — Sun, 07 Feb 2010 18:09:26 +0000

Very thorough comparison CD vs. Annuity. There are many pro’s to an annuity, the main one being the deferred tax on interest. One should consult an accountant before moving forward with either. Tax strategies can very greatly based on age, income, and future/current needs. Thanks again!

By: Printing Birmingham

Printing Birmingham — Sun, 07 Feb 2010 16:27:54 +0000

Unlike CDs, the debt also has a guaranteed minimum in which never have to pay less than the rate of interest.I think the Fixed annuities are similar to a bank CD. You receive a specific interest rate for a warranty period, then the interest rate, as the rate CD, complies with the latest rate lock in the next period

By: Mens Designer Watches

Mens Designer Watches — Sun, 07 Feb 2010 07:42:59 +0000

I would just add, as an investor, to make sure you read the prospectus and understand how the company managing the annuity is making their money before you proceed.

By: cheap hair loss treatment

cheap hair loss treatment — Mon, 01 Feb 2010 16:25:01 +0000

When a CD reaches its maturity, you can take the CD’s lump sum value in cash, renew the CD for the same or different maturity period or examine other investment alternatives (such as a deferred fixed annuity).

By: bluemax

bluemax — Mon, 01 Feb 2010 02:12:00 +0000

I’d really like someone to do the math for a 20 yr period for cd’s and annuity comparison. I wonder if the tax deferrment causes erosion of the value because of the 20yr taxable buildup throwing you into the top tax bracket, plus taxing 85% of the so. security upon surrender of the annuity.

By: mens swimwear

mens swimwear — Sun, 31 Jan 2010 13:16:44 +0000

I think the Fixed annuities are similar to a bank CD. You receive a specific interest rate for a warranty period, then the interest rate, as the rate CD, complies with the latest rate lock in the next period. However, unlike CDs, the debt also has a guaranteed minimum in which never have to pay less than the rate of interest.

By: Chrome Bar Stool

Chrome Bar Stool — Wed, 27 Jan 2010 06:12:53 +0000

I have ever seen such an awesome article about annuity comparisons anywhere.