- Alternatives to Annuities for Retirement Income
Annuities are a popular choice for retirees concerned they might outlive their retirement savings. These retirement savings vehicles work a bit differently than traditional or Roth retirement accounts. Instead, annuities are a type of contract you enter into with an… read more…
- What Is an Annuity Bailout Provision?
You may not want friends or family to need to bail you out of a problem, but chances are you aren’t going to mind getting some help from your insurance company’s annuity contract. In other words, if you get the… read more…
- Annuitant-Driven vs. Owner-Driven Annuity
Every lifetime annuity needs three parties: the contract’s owner, its annuitant and its beneficiary. In an annuitant-driven contract, the annuity ends and pays out to the beneficiary when the annuitant dies. In an owner-driven contract, the annuity ends and pays… read more…
- How Are Annuities Given Favorable Tax Treatment?
Annuities are tax-advantaged investment vehicles that guarantee retirement income. Here’s how they can benefit your tax situation and how to tell if one is right for you. A financial advisor can help you decide if an annuity is a good… read more…
- If You Have This Much Money Saved You Don’t Need an Annuity
Creating income for retirement is one of the biggest challenges American workers have in planning for how they will be able to live comfortably once they stop working. One of the most common ways to create this income is to… read more…
- How Much Would a $10 Million Annuity Pay?
The amount a $10 million annuity would pay depends on when you make the investment, the returns attached to your annuity and the details of the contract. With that, it’s challenging to nail down a specific amount. However, we can… read more…
- How Much Would a $1.5 Million Annuity Pay?
Annuities are a form of hybrid financial product. Part investment and part contract, they’re primarily sold by insurance companies as a way to save for retirement. While in recent years they have come under criticism for below-market returns, many retirees… read more…
- How Much Would a $2 Million Annuity Pay?
Annuities can be beneficial for retirees, especially those who plan ahead and want to avoid stock market risks. However, your payout amount can be challenging to calculate, and each person’s circumstances will influence their monthly payment differently. Still, it’s not… read more…
- How Much Would a $5 Million Annuity Pay
Annuities can be complex, and it’s easy to be overwhelmed by the different types and sub-types, but they are one of the best ways to receive guaranteed income in retirement. While $5 million sounds like plenty of money to retire… read more…
- Annuity vs. Perpetuity
Annuities and perpetuities are insurance products that make payments on a fixed schedule. An annuity makes these payments over a fixed period of time and then ends. A perpetuity makes these payments indefinitely. Here’s what you need to know about… read more…
- Is an Annuity the Silver Bullet You Need to Recession-Proof Your Portfolio?
LIMRA announced that annuity sales have increased 22% to $77.5 billion in the second quarter. This marks the highest quarterly sales ever recorded since the not-for-profit trade association began tracking data in 2014. Let’s break down why this surge is happening… read more…
- Is an Annuity a Good Investment?
Annuities are popular financial products that often guarantee income throughout the course of your retirement. While you may even have access to customizable features and riders, you’ll likely have to pay high fees and may also end up taking home less than you would by investing your money elsewhere. Note that those who sell annuities often… read more…
- Want to Enjoy Retirement More? Shift Your Assets to Annuities
Most people follow a pretty standard glide path when it comes to retirement investing: focus on stocks when you’re young and shift to bonds as you get older. But a new study from David Blanchett (Prudential Financial) and Michael Finke (The American College of Financial Services) shows that there might be a better option for… read more…
- What’s the Average Rate of Return for an Annuity?
If you’re thinking about purchasing an annuity, you might be curious about the kind of returns you can expect. The rate of return plays a key role in how your portfolio grows and how much income you’ll have in retirement. It’s also important to keep in mind that fees can reduce your overall earnings. Knowing… read more…
- How Much Does a $300,000 Annuity Pay Per Month?
When you need another stream of income for retirement, you might consider an annuity. Before buying an annuity, however, you’ll want to consider how much monthly income it might generate. For example, how much does a $300,000 annuity pay per month? And is it enough to live on in retirement? Some simple calculations can help… read more…
- Tontine vs. Annuity: Which Is Better?
In recent years, there has been a renewed interest in an investment scheme that fell out of favor more than 100 years ago: the tontine. But what exactly is a tontine? The simplest way to describe it is that it’s a kind of annuity, with a twist. If you outlive the other participants, you get… read more…
- What Are Secondary Market Annuities (SMAs)?
Secondary market annuities (SMAs) allow annuity owners to sell the future payments of their annuity to a third-party company for a lump sum payment. This allows owners to receive an immediate cash payment, usually at a discounted rate, instead of waiting for future payments. The exchange is less money now or more money spread over… read more…
- How Much Does a $200,000 Annuity Pay Per Month?
An annuity can be an appealing option to build your retirement nest egg. Adding guaranteed retirement income to your retirement can give you financial stability. But the exact amount that you’ll get from an annuity each month will vary. For example, monthly payouts from a single premium immediate annuity can range from approximately $1,200 to… read more…
- How Much Does a $250,000 Annuity Pay?
Many investment options are available as you build your retirement nest egg. An annuity provides guaranteed retirement income and can be a key part of a financial plan. However, annuity payments vary based on several factors, including whether they start immediately or are deferred. As of March 2025, a $250,000 single-life immediate annuity could pay… read more…
- How Much Would a $1 Million Annuity Pay?
The amount you collect from an annuity depends on when you invest, the return your specific annuity offers and the details of your particular contract. As a result, it’s difficult to provide a specific answer to what any single person… read more…
- How Much Does a $500K Annuity Pay Per Month?
If you’re looking for alternative ways, outside of the stock market and bonds, to create retirement income, an annuity could be right for you. A $500,000 annuity can offer consistent, reliable income in retirement, whether you’re retiring soon or decades from now. Before making an investment decision, you may want to first speak to a… read more…
- How Much Does a $50,000 Annuity Pay Per Month?
The monthly payout from a $50,000 annuity depends on several factors, including the type of annuity, interest rates and the payout period. A fixed immediate annuity might provide roughly $200 to $300 per month for a lifetime payout, while a term-certain annuity could yield higher payments over a shorter period. Variable and indexed annuities offer… read more…
- How to Roll Over a Variable Annuity Into an IRA
Thinking about moving an annuity for lower fees, broader investment choices, or easier account consolidation? Before you roll over a variable annuity into an IRA, understand whether your contract is “qualified” or “nonqualified”, the answer drives everything. A qualified annuity (funded with pre-tax dollars or held inside a 401(k)/403(b)) can typically be moved via a… read more…
- Transamerica Launches Annuity With Protection From Market Losses
Transamerica has introduced a registered index-linked annuity (RILA) that lets investors customize the product to best suit their risk profile, timeline, market outlook and financial goals. Known as the Transamerica Structured Index Advantage Annuity, it enters an unusually hot market: Fourth-quarter 2021 RILA sales were 26% higher than the prior year’s level, and last year… read more…
- Rising Interest Rates Mean Annuities Are Hot
Annuities can be a useful part of a retirement plan. They provide guaranteed retirement income, effectively replicating the monthly checks that workers with a defined benefit plan like a traditional pension plan receive. Fewer workers than ever have defined benefit… read more…