Fixed Immediate and Deferred Retirement Annuities

Explain the Basics of Annuities

About Fixed Annuities In Particular

This article is about fixed annuities. Variable annuities are riskier, and not in this discussion.

A fixed annuity is set up to be a very safe way to invest. This money could be for some future goal, like retirement or a college education fund.

Even though there are a variety of payout options, many people are attracted to the guarantee of future income.

Of course a major selling point of fixed annuity products are guarantees that they will not lose money during down years. Some may have a guaranteed return of 2%, or even 0%. This is better than a negative return rate. Make sure you understand the return guarantee of the annuity you are considering.

The other big advantage is favorable tax treatment. Deferred taxes on returns and compounding can really make money grow a lot faster.

You need to find the right annuity for you.

Your own situation will determine which product will be right for you. Consider how long you can set money aside, how long you would like to be paid, and how much income you want.

Do yo want to know which annuity will work for you? Let us help you with deferred and immediate annuity quotes.

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This entry was posted on Wednesday, September 23rd, 2009 and is filed under Annuities.

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