Annuities for Retirement. How to use Income Rider Quote Tool to calculate your Guaranteed Lifetime Income Payout in Retirement. The tool is available and free to use at our website at
00:00 Introduction
09:04 Barron’s list of the world’s top annuities
00:50 Income Rider Quote Tool for Guaranteed Lifetime Income
01:10 Market Risk and Annuities
01:30 Analogy of Annuities to Social Security
01:50 Different Type of Annuity Contracts and Companies
02:42 Annuities as Part of a retirement plan
03:00 Income Rider Quote Tool Demo on oakharvestfg.com
03:39 Guaranteed Lifetime Income for You and Your Spouse
04:41 List of guaranteed Lifetime Income Amounts and Insurance Companies
5:40 Getting Help in Adding Guaranteed Lifetime Income to Your Retirement Portfolio
5:47 Annuities with Annual fee and Annuities without
06:51 The Annuities Payout Factor
07:20 How Annuities Compare to an Investment Account
09:29 The Benefits of Deferral
10:45 Book a Free Consultation
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation:
Do you have a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177
If you have $500K or more and would like a partnership with a firm to help you manage your investments and financial plan as in these videos, click on this link to connect with our advisors:
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ALTHOUGH ANNUITY IS NECESSARY BUT HAVING STEADY INCOME IS MORE CRUCIAL FOR YOUR RETIREMENT PLANNING. Big ups to everyone working effortlessly trying to earn a living while building wealth. I'm 40 and my wife 34. We are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive income.
Annuities are loaded with high fees. Stay away!
question on surrendering non-qualified annuity… if there is no growth in first 2 years, if annuity is surrendered with original money (minus surrender charges), will there be IRS penalty for cancelling annuity (less than 59.5yrs).?. Since there is no growth, I feel no IRS penalty. Right?.
Ex: Invested 100K money 2 years back with non-qualified money (like savings account). No growth yet. Surrendering contract will give 100K -6K = ~94K. No IRS penalty in this case. Right?
The word " rider " is a bit confusing because " riders" on annuities are attachments that come additional fees" that lower the annuity income. Am I wrong ? You should have selection choice for MYGA, QLAC, etc
Hello – What are your thoughts on Allianz Benefit Control ABC – Fixed Index Annuity? Thanks.
First, I went on the website and tried a number of scenarios. Each time a message came up "Your input produced no results. Please call." Second, ~1% annual fee on a treasury investment? That is in addition to the commission paid to the person who sold it. Who buys these products?
I cannot think of any rationale for me to ever invest in a annuity. But they are mildly interesting.
The government has recently offered everything from T-bills, notes, and up through long–term bonds, as well as fixed-income bonds, that cover each investment and offer 100% secure return of total principal. The interest rates are competitive with corporate bonds, and usually better and more tax efficient than bank or brokered CDs.
Isn’t the key here “ for the rest of your life”? If you die young before you use most or all of the original principle won’t your beneficiaries loose out vs. if that money had been invested elsewhere?
Great video Troy. A solid "peace of mind" component. Could allow you to be a little more aggressive in other parts of your investment strategy
We know any annuity is going to pay less then then a decent investment. After all there investing your money and taking the margin.
I believe the "reverse engineer" option on the calculator is not correct. In the example a monthly income amount is selected, but the results generated seem to reflect the monthly income as an annual amount. I tried an example of $1700 monthly income. The result showed income amount of $1700, and Income 10 year total of $17,000. That 10 year income should be $204,000 if 1700 monthly.
Thank you Troy. An amazing tool for us to freely use!