Finding safe returns in a zero interest rate environment

The Federal Reserve recently signaled that it's likely to keep interest rates at zero through 2023. This is bad news for savers and retirees who are looking for a safe place to park their cash. Gone are the days where you could leave money in a bank to earn 4-5%. In response, investors have been forced to take more risk, often investing in lower quality bonds or more stocks. Faced with a weakened economy from

By |September 22nd, 2020|annuities|0 Comments

An impartial review of the Allianz Index Advantage Variable Annuity – updated August 2021

Editor's Note: This post was originally published in September 2020 and has been updated for freshness, accuracy, and comprehensiveness. The annuity business has grown in popularity as investors, especially those nearing retirement, look for options that protect them from stock market volatility and provide a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salespeople trying to persuade you to make a purchase.

By |September 18th, 2020|annuities|0 Comments

Can index annuities provide stock market returns?

For several years, I have written in-depth annuity reviews because there is little information about these complex products. Many retirees are being enticed by free dinner seminars and promises of huge returns with no risk. I give an A+ to insurance companies for producing a product that they claim to be “no fee” (are you kidding me? Fees are simply hidden so you can't see them), no downside risk (yes true) and still has the

By |September 12th, 2018|annuities|0 Comments

What is the Allianz 222’s extra premium bonus worth?

The Allianz 222 annuity has been one of the best-selling index annuities for several years now as I wrote my first review of the product in May 2014. For two months through September 17th, they have increased the premium bonus from 22% to 30% (25% in NJ and OR) which gives the protected income value a nice espresso shot from day 1. Because this is being sold by agents extra hard, I have received several

An impartial review of the Allianz 222 Annuity – updated August 2021

Editor's Note: This post was originally published in May 2014 and has been updated for freshness, accuracy, and comprehensiveness. Through September 17, 2018, the premium bonus has increased from 22% to 30%. Read more in my latest blog post “What is the Allianz 222's extra premium bonus worth?” The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market

An impartial review of the Nationwide New Heights 12 Fixed Index Annuity

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase. Today I will dig deep into the Nationwide New Heights annuity which has been requested by several readers.

An impartial review of the Nationwide New Heights 9 Fixed Index Annuity

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase. Today I will dig deep into the Nationwide New Heights annuity which has been requested by several readers.

An impartial review of the Global Atlantic SecureFore 3 Fixed Annuity

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase. Today I will dig deep into the Global Atlantic SecureFore 3 annuity which has been requested by several

An impartial review of the Global Atlantic SecureFore 5 Fixed Annuity

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase. Today I will dig deep into the Global Atlantic SecureFore 5 annuity which has been requested by several

An impartial review of the New York Life Secure Term MVA Fixed Annuity II

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase. Today I will dig deep into the New York Life Secure Term MVA Fixed Annuity II which has

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