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Annuity Pricing 102
In today’s scenario, we’ll see what happens to the price of an annuity if:
1. We guarantee income will be provided for at least 10 years, regardless of whether the annuitant lives.
2. We provide a cash refund if the annuitant dies before at least receiving their full principal payment.
3. We include a cost-of-living adjustment for annuity payments.
Income Annuity 101
How are different types of annuities priced? It’s not as hard as you might think, as the basic recipe requires just three ingredients:
Retirement Income Strategies with Annuities
Income annuities come in a variety of shapes and sizes. It can be overwhelming to know which one makes the most sense for your situation. In this column, I explore how income annuities work and what options are available.
Withdrawal Sequencing: Avoiding the Pitfalls of Retirement Distribution Order
Taking retirement income from your investment portfolio in retirement is like walking through a minefield. Most people don’t think about it, but your distribution strategy in retirement – how you actually take money out of your portfolio – and the resulting taxes can have a significant impact on how long your money lasts and how much you’ll be able to spend throughout retirement.
Whether Gold Prices Are Up or Down, You Should Stay Away
Along with China and the potential implications of rising interest rates, many stories have come
What is an RMD?
Here are the answers to some of the most commonly asked questions about required minimum distributions (commonly referred to as RMDs or MRDs).
The Value of Financial Advice
I am often asked whether it is worth the cost to hire a financial advisor. After all, they charge you money to make you money. People say they can listen to the news and know where and how to invest, so, “Wouldn’t I be better off just keeping that fee for myself?” That is an excellent question with an answer that depends on many factors.
Occam’s – “How Does the Situation in Greece Affect Me?”
WHAT IS OCCAM’S RAZOR?Occam’s Razor is a principle attributed to William Occam, a 14th century
For Couples, Not Talking About Money Can Be Costly
I was stunned to read the first paragraph of this article. “Do you know how
Bucket of Cold Water Dumped on this Investing Strategy
Poor Greece. Not even the Greek alphabet has been given safe quarter these past weeks.
Can Indexing Become Too Big?
This is an issue that comes up as a last ditch effort to attempt to
Taking the Risks That Make Sense
More risk does not mean more return, but more return follows more risk. Which risks make sense for you?
