Tag Archives: risk

7 Retirement Tips for National Save for Retirement Week

In honor of National Save for Retirement Week, check out these 7 tips to make planning for retirement easier. Continue reading

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Increased Life Expectancy Leads to a Decrease in Payout Rates

With current rates being “low,” they may seem befuddled when asked to consider purchasing an annuity. I explain that today’s rates are not low. In fact, I believe these to be the “new” rates—and today’s rates may be the highest rates we could see for a very long time! Continue reading

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Answering Retirement’s Most FAQs

The Indexed Annuity Leadership Council (IALC) compiled and answered some of the most frequently asked questions when it comes to planning for retirement. Continue reading

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Red, White & Scammed: Q&A with Personal Finance Expert Ellie Kay

In today’s video blog, Ellie Kay answers your questions about whether some of the “opportunities” available to American consumers are in fact a good deal or just fiction. Continue reading

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Indexed Annuity Sales are Up, Complaints are Down

Despite the growth in indexed annuity sales, complaints against the product have significantly decreased since 2010, according to data recently released by the National Association of Insurance Commissioners (NAIC). What’s more, a recent LIMRA study found that 83% of indexed annuity buyers were satisfied with their annuity purchase, and five in six would recommend annuities to family and friends. Continue reading

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Fixed Indexed Annuities: Getting Better With Age

According to a recent Reuters article “annuities are like flat-screen televisions. They keep getting better and cheaper. As baby boomers move into retirement, the insurance industry keeps improving the quality of retirement-focused products they sell.” This increased product quality is … Continue reading

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What’s the Key to Meeting New Year’s Financial Resolutions? Setting Attainable Goals

According to the 2013 Fidelity Resolutions Study, the number of people making financial resolutions is at an all-time high and almost half of the survey respondents reported achieving over 80% of their financial goals last year. So what is the secret to success? Setting realistic and attainable goals is key to ensuring that you make good on your resolutions long after everyone else has thrown in the towel. Continue reading

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It doesn’t have to be this way

One of the ways that many investors have chosen to add some balance to their financial plans, particularly in risky markets, is to consider a fixed indexed annuity. These products play an important role in a balanced retirement plan by providing principal protection, upside potential, guaranteed interest, and guaranteed income for life. Continue reading

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How can I prepare for the “Fiscal Cliff?”

With huge spending cuts hitting Americans at the same time as tax hikes, the economy could contract, resulting in a recession and subsequent market volatility. Given this uncertain situation, it’s important for those in or nearing retirement to evaluate their risk tolerance and adjust their financial plan accordingly. Continue reading

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How Younger Americans Differ in their Approach to Retirement

Is there a silver-lining to all of the economic turmoil Americans have faced in the past few years? One could argue that it taught younger Americans an important lesson – save! A recent Wall Street Journal article underscores this point, noting that as their parents lost jobs and homes and delayed retirement, these children are—in turn—boosting savings, cutting spending, and planning for retirement. According to a survey by TD Ameritrade, while 46% of people aged 48 to 66 have regular savings plans, the figure is nearly 60% for those aged 23 to 47. Continue reading

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