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Annuities 101 One of the four main varieties--an immediate annuity--can sometimes make sense. The rest? Not so much. TRADITIONAL DEFERRED FIXED ANNUITY How it works: An insurance company invests your money in bonds, crediting your account with a set portion of the interest. after a holding period, you have the option of receiving a guaranteed monthly sum for l ... read more>>   Annuity Sales Increases a Surprise Both fixed and variable annuities posted sales increases in June, and while that combo isn't quite as rare as summer snow, it was enough to raise eyebrows. "There's just so much instability out there, so many unknowns, that things have gotten quirky," says Scott Stathis, managing director of Kehrer-Limra. Annuity sales through financial instituti ... read more>> Bank Annuity Income Resilient Last year was the worst year for bank-sold annuities in the past decade - yet banks' income from the products seems to have defied gravity, posting just a small decline. What's going on? It appears that banks have shifted significantly to a fee-based sales approach for the products, away from the old up-front commission model. "I think this is an ... read more>>   Bank Sales of Annuities Surge As banks and insurers compete in the lucrative retirement market, new numbers showed a marked uptick in the sale of annuities at bank holding companies in the first half. According to the Michael White-ABIA Bank Annuity Fee Income Report, annuity income earned by bank holding companies hit a record $1.53 billion in the first half. That's an incre ... read more>> Four Rules to Score A Variable Annuities Win Americans are born with an instinctive desire to duck taxes. That explains how tax-deferred variable annuities have grown into a business with $140 billion in annual sales. Much of this investment is foolish, since the buyers are spending more in fees and sales commissions than they could possibly be saving in taxes. But if you know when and where ... read more>>   Get Payouts Straight From Your 401k FINANCIAL ENGINES, AN INVESTMENT ADVISER THAT MANAGES 401(k) accounts, recently introduced the first retirement-income strategy designed specifically for 401(k) plans. It combines a professionally managed retirement-income account with an optional annuity to provide guaranteed lifetime income later in retirement. Five years before you retire, Fina ... read more>>

More Articles Allstate Annuity here... Holding Company Annuity Sales Jump Annuity fee income at bank holding companies shot up 28.4% in the first quarter, to more than $748.2 million, according to the Michael White-ABIA Bank Annuity Fee Income Report. In the year-earlier quarter, bank holding companies reported sales of $582.6 million. First-quarter annuity commissions rose 2.6% sequentially from the $729.5 million reco ... read more>> Keeping Your Money Safe, with Caveats The stock market's recent gyrations sent retirement investors scurrying for shelter. Galliard Capital Management's stable-value funds, offered in 401(k) and other retirement plans, drew more than four times the usual inflows in August. Investors in retirement plans administered by Wells Fargo moved $850 million into the funds that month, while at A ... read more>> New Ways to Pay for Long Term Care These policies combine life insurance or an annuity with long-term-care protection. IN THE AFTERMATH OF WELLPUBLICIZED premium hikes for long-term-care insurance and the departure of some key insurers from the market, many consumers are skittish about buying coverage. But the need for protection isn't going away. The median cost of one year in a ... read more>> Prepare Your Portfolio HOW TO INVEST BEFORE AND DURING RETIREMENT TO GENERATE INCOME AND GROWTH Many preretirees leave their investment asset mix alone until the day they retire and then consider making changes. That proved to be a disastrous strategy for those who planned to retire in 2008 and 2009, as they watched the stock market plunge more than 50% (and much of th ... read more>> Tax and Social Security Implications Not surprisingly, the tax and social security arrangements for annuities are not without their complexities. The simplest rules are those that apply when you are 60 and use your superannuation savings to buy an annuity to generate a retirement income stream. As with account-based pensions, annuity income for most Australians is likely to be tax fr ... read more>> Big Stock Brokerages Eye Indexed Annuities This week's InvestmentNews has a front-page article about how some big stock brokerages are "warming" to selling indexed annuities to their customers. All we can say is this: Watch your wallet. Last fall, Forbes reported about indexed annuities in an article entitled, "Protection Racket." We described them as a "lousy investment" most of the time, ... read more>>