Not one Fixed Index Annuity owner has ever lost their principal or profits from market volatility or insurance company failure. Not one time, not one dime!
- Traditional market investments don't offer this.
- Banks can't say this.
- Bondholders can't say this.
- Money market owners can't say this.
- Real Estate investors can't say this.
- Precious metal investors can't say this.
- Variable annuity investors can't say this.
Truth in 2010
Peter G. Peterson Foundation
Institute for Truth in Accounting
Congressional Budget Office
U.S. Government Accountability Office
Office of Management and Budget
National Inflation Association
National Academy of Elder Law Attorneys, Inc.
Employee Benefit of Research Institute
US Debt Clock
Federal Reserve/Inflation Services
Social Security Estimator
Center for Retirement Research at Boston College
Deficits Do Matter
Women's Retirement Initiatives
Social Security and Medicare Trustee Reports
National Center for Policy Analysis
A Visualization of United States Debt
Karlan Tucker - Author
The Power and Protection of an Indexed Annuity (PDF Format)For years, if Americans wanted opportunity, they would put their savings in the stock market. If they wanted safety, they used bank CDs or government bonds. The problem was you could have money positioned for opportunity or safety, but not both on the same dollar at the
Special Annuity Reporting Series - Report #1A close look at Kimberly Lankford's 2010 Kiplinger's Finance Magazine annuity article and what it meant for you 10 years ago.
Special Annuity Reporting Series - Report #2Index annuities are purchased by consumers that don't want to read the paper each day to see if they're winners or losers, because with index annuities they know they are never losers.
Special Annuity Reporting Series - Report #3Examine the facts on index annuities competitive performance in times of both high and low interest, and rising and falling stock markets.
Ben Bernanke, the Chairman of the United States
Federal Reserve, Holds AnnuitiesThe chairman's financial disclosure form, released Tuesday, showed that Bernanke is a millionaire, with holdings last year in no-frills investments, including U.S. Treasury securities, mutual funds and annuities.
Tom Cochrane - Annuity Digest
An Interview with Wharton Professor David Babbel - Part 1Our findings regarding actual products show that since their inception in 1995, they have performed quite well - in fact, some have performed better than many alternative investment classes (corporate and government bonds, equity funds, money markets) in any combination.
Tom Cochrane - Annuity Digest
An Interview with Wharton Professor David Babbel - Part 2What surprised me was that the returns outperformed the alternatives over the lifetime of their existence (since 1995) for every year that they have been issued.
Wharton Financial Institutions Center
Explore the world of fixed indexed annuity returns based upon actual contracts sold and actual interest credited. (PDF Format)The first empirical exploration of fixed indexed annuity returns based upon actual contracts that were sold and actual interest that was credited.
University of Pennsylvania Scholarly Commons
Pension Payouts in Chile: Past, Present & Future ProspectsReview recent developments in the payout market for Chilean pensions, mainly annuities, and discover what makes the payout market in Chile so different from other nations.
The New York Times
The Unloved Annuity Gets a Hug From ObamaThe administration is open to other solutions, though there are not many others that are as simple as the basic fixed immediate annuity (also known as a single premium immediate annuity) that delivers a regular check for life.
Retiree Annuities May be Promoted by Obama AidesAnnuities generally guarantee income until the retiree's death, and often that of a surviving spouse as well. They are designed to protect against the risk that retirees outlive their savings, a danger made clear by market losses suffered by older Americans over the last year
T. Rowe Price
Dismal Decade Offers Cautionary Lessons for RetireesRetirees should have a sound financial strategy for sustaining their income throughout retirement. But as the last decade has shown, the stock market is capable of upending even the best-laid plans.
Insurance News Net
Immediate Gratification: New Studies Show That Immediate Annuities Add Both Income And Stability To A Retirement Portfolio.Annuities may get more negative press than any other financial product. To hear the critics, they're overpriced and unfair to buyers.
Karen Hube - Barron's Cover
Best AnnuitiesSpecial Report -- Retirement: With their steady income payments, annuities are suddenly hot.
Margaret Collins - Bloomberg
Retirees may have to delay Social Security benefits and buy an annuity to have enough money for retirement, said a U.S. government study.Retirees may have to delay Social Security benefits and buy an annuity to have enough money for retirement, said a U.S. government study.
RETIREMENT INCOME: Ensuring Income throughout Retirement Requires Difficult ChoicesFinancial experts GAO interviewed typically recommended that retirees systematically draw down their savings and convert a portion of their savings into an income annuity to cover necessary expenses, or opt for the annuity provided by an employer-sponsored DB pension instead of a lump sum withdrawal.
Retirement Optimal Asset AllocationOnce an individual has retired, asset allocation becomes a critical investment decision. Unfortunately, there is no consensus on what the optimal allocation should be for retirees of varying age, gender, and risk tolerance.
Retirement IncomeWhen would you rather lose money? That question might sound odd, since a casual reader’s reaction is likely to be “never.” But the fact is that when you are investing in the stock market over long periods of time, experiencing a bear market (down market) is an inevitable fact of financial life.
Senior Market Advisor
One vs. 114 complaintsMy annual study on index annuity complaints shows on a sales volume adjusted-basis, annuity complaints have fallen 75 percent since 2007.
Retirees need fewer stocks, more annuitiesFewer stocks, more annuities. That, in essence, is the advice gleaned from two just-published reports for the benefit of those living in or approaching retirement.
CEO Blog: It’s Time to Stop One-Sided Retirement PlanningAmericans have lost more than $2 trillion in retirement savings in the last three and a half years. A recent AP poll says 42% of Baby Boomers surveyed said they’d delayed retirement due to lost money in their retirement plans, personal investments or real estate during the recent economic meltdown.
Fixed Indexed Annuities and the Small Business OwnerMany business owners rely on the success of their business as their sole source of income and retirement savings. Normally, financial advisers recommend diversifying portfolios among stocks and bonds.
The "REAL BENEFITS" of Indexed Annuities with the Annual Reset DesignA history of American Equity's Index-5
Wall Street Journal
Making the Case to Buy an AnnuityRetirees may get more financial security by combining insurance products and mutual funds, some analysts say
Retirees Should Have More Annuities, Fewer StocksEquities should be no more than 25% of your portfolio, says Robert Powell.
Kiplinger KO'dIn the September 2010 issue of Kiplinger’s Personal Finance Magazine Kimberly Lankford wrote an article titled “An annuity you really should avoid” concluding “you get a lot less than investors in the actual index would receive because of caps on returns and other limitations.” However, she conveniently overlooks what happened if you had followed her advice a decade earlier.
Burns BaffledBack in the fall of 1996, when index annuities were young, a reader asked financial pundit Scott Burns his opinion. The reader said the annuity he was considering had a 7 year term and a design that used the highest anniversary index value as the end point, calculated the total return over 7 years, and then deducted 2.5% from the annualized return, giving the annuityowner the rest.
Cruz ControlThe first index annuity was purchased in February 1995. It only took until October for Humberto Cruz to begin bashing them.
Misleading MONEY Magazine MathWhen Lisa Gibbs, the author of “The Safety Trap” article called me in May 2010 her very first comment was “your complaint numbers are wrong because the NAIC complaint numbers are wrong and actual complaints are much higher”. And it was that tone that resulted in the stridently biased antiannuity Money magazine article that appeared in January 2011.
4 Percent Withdrawal Rate May Be Too High for Today's RetireesA recent paper has called into question the generally accepted rule that four percent is the amount you can safely withdraw from IRAs, 401(k) accounts, and retirement savings to generate reliable, lifetime retirement income.
Reducing Regulatory Obstacles to Retirement Income SecurityWith nearly 80 million baby boomers starting their march into retirement, many policy-makers have begun to focus on how to provide secure retirement income in a fiscally sustainable way. This is no small challenge in an era of enormous deficits.
Top 50 AnnuitiesAmericans are eager to lock in steady retirement income. We pick the best annuities from a dizzying array of choices.
Mark Iwry: Bringing Annuties To 401(k)sOver the past generation, the U.S. retirement system has moved away from offering traditional pensions.
Obama's latest retirement rescue plan: AnnuitiesThe Obama administration proposed new rules Thursday to help retirees make their savings last throughout their lifetime -- by investing in annuities.
FINALLY, SOME EXCELLENT INVESTMENT ADVICE: Don't Play The Losers' GameIf you're an individual with some money to invest, the first thing you need to know if you want to invest intelligently is that you shouldn't play the Losers' Game.