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5 Reasons Not To Invest In An Annuity And 5 Reasons You May Want To
 
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Here are 5 reasons you should NOT invest in an annuity. And then we'll discuss 5 reasons you may want to invest in an annuity. To download your free copy of "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com... Here are 5 reasons you should NOT purchase an annuity. 1. You want 100% market upside with no downside potential - You can't that. Fixed index annuities can give you SOME market upside with no downside potential. But there is no investment that will give you all the market's growth with no downside. Annuities certainly will not do this. 2. You want to keep your money liquid - Most annuities have surrender charges for a certain period of time. If you are going to need to access your funds during this time, an annuity is probably not going to be a good investment for you. 3. You want to get 8% guaranteed interest on your money - The ads that tout abnormally high interest rates are (9 times out of 10) applying that rate to a phantom account called in "Income Account Value." This is an accounting figure used to determine how much the insurance company will guarantee to pay you for life. It's not growth on your real "walk away" money account. 4. You want additional tax deferral on your IRA - Annuities provide tax deferral on earnings. But you won't get a "double" tax deferral benefit by using IRA funds in an annuity. When using IRA funds in an annuity, make sure it is for another benefit annuities provide, like downside protection from the market (fixed annuities) and income guarantees. 5. You want to trade frequently - When you put your money in an annuity you are letting other people manage it for you. It will be managed based on the sub-accounts you choose (in a variable annuity) or based on the index you pick (for a fixed index annuity). If you want to trade frequently, then you probably shouldn't get an annuity. Now let's talk about 5 reasons you may want to consider an annuity: 1. You want SOME market upside with no downside loss - A fixed index annuity can do this. It won't give all the upside though, but you won't lose money if the market crashes. Remember, these are conservative investments, originally made to compete with CD's. 2. You don't mind committing your funds for the long-term - There's nothing wrong with committing your funds for a longer term period, as long as the annuity is helping you meet a retirement objective. 3. You want a guaranteed interest rate - The most popular annuities that provide this are "Multi Year Guaranteed Annuities." They lock in a rate for a set period of time. 4. You want to leave more money to your heirs - If you can't qualify for life insurance an annuity may be able to increase the legacy you leave to your heirs (the beneficiaries of the annuity). 5. You want a money manager to handle your investments - If you invest in a variable annuity your funds will be put in sub-accounts that are managed by money managers. There's nothing wrong with wanting a professional to invest your money. To download your free copy of "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com... To read the full article with this video, click here: http://retirementplanningmadeeasy.com/five-reasons-not-to-invest-in-an-annuity-and-5-reasons-you-may-want-to/ Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Purchasing Real Estate with an Annuity
 
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Purchasing Real Estate with an Annuity If you’re searching for ways to finance your real estate investing business, you might consider using funds held in a retirement plan. Specifically, I was recently asked if it’s possible to use an annuity to invest in a rental property. In this video, I’ll talk about using an annuity to purchase real estate. I’ll compare this investing strategy to withdrawing from a 401k, and share some of the pros and cons of an annuity withdrawal. You’ll learn about early withdrawal penalties, and how the IRS treats annuities. You’ll also hear about comparing and trading interest rates in order to make the most informed decision possible. This video is for you if you’ve ever wondered about additional ways to acquire cash flowing rental properties! BOOK A FREE CALL WITH OUR TEAM TODAY AT MORRIS INVEST: https://goo.gl/DNIIh0 CHECK OUT OUR OTHER GREAT VIDEO PLAYLISTS LIKE: VIDEOS ABOUT TURNKEY REAL ESTATE INVESTING: https://goo.gl/1bGEhB OR VIDEOS ABOUT GETTING STARTED IN REAL ESTATE https://goo.gl/dPfWeY OR VIDEOS ABOUT REAL ESTATE NEWS https://goo.gl/m1b3U8 SUBSCRIBE AND JOIN OUR AWESOME COMMUNITY: https://goo.gl/Polf6I LISTEN TO THE PODCAST: iTunes: https://goo.gl/vM969n FOLLOW ME ON SOCIAL MEDIA: Twitter: http://www.twitter.com/claytonmorris Facebook: https://www.facebook.com/MorrisInvest Instagram: https://www.instagram.com/claytonmorris
Views: 5084 Morris Invest
Investing In Annuities? You Better Know the 8% Annuity Secret
 
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Have you heard about the 8% annuity secret? To get your free e-book "How To Avoid Annuity Traps" click here: http://retirementplanningmadeeasy.com/annuity-traps When you are considering investing in annuities, you will probably come across an advertisement that seems to guarantee 8% returns on your annuity. The advertisement may even call it an 8% annuity secret. What's really going on here? Well, if it sounds too good to be true it probably is. And in this case, I promise you it is too good to be true. The 8% applies to the growth of your income account value. If you have an income rider on your fixed index annuity, it will have an income account value. This value is used to determine how much lifetime income you can get off the annuity. The 8% growth rate applies to this income account value. It is not your "walk away money." You can't cash out your income account value and put the money in the bank. It is only used to calculate how much income the insurance company will be contractually obligated to pay you under the income rider. Advertising as though you will get 8% on your money is a very "hypey" thing to do. And what's crazy is this: These income riders (like the 8% growth income rider) can be used fantastically to plan for your retirement income. They can give you great predictability as to how much money you will contractually be guaranteed at a certain point in the future. Also, the income rider gives you the flexibility to still have access to your account values. You can surrender the annuity if you no longer want the guaranteed income stream, and take your money elsewhere. This predictability and flexibility make it a great tool to use, when used properly in a retirement plan. So there is no need for hype. When you invest in annuities, don't buy in to all the hype. You're not going to get a guaranteed 8% return on your account value. To read the full article on this click here: http://retirementplanningmadeeasy.com/investing-in-annuities-8-percent-annuity-secret/ To download your free e-book "How To Avoid Annuity Traps" click here: http://retirementplanningmadeeasy.com/annuity-traps Best of luck! Chris Hammond Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
What is Annuity? Types of Annuities | Retirement Planning Tips by Yadnya
 
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An annuity is a contract aimed at generating steady income during retirement. Lump sum payment is made to obtain immediate annuity or you invest regularly into plans which give you annuity at a later point in time. Annuities can be fixed or variable, with insurance cover or without, with payment of initial investment to the nominee or without. Annuity plans are not so popular class of investments, thanks to their low returns, lack of tax benefits and complex product structure. But immediate annuity plans, which guarantee lifelong income at monthly, quarterly or annual intervals, are a good fit for investors who value certainty over everything else. Find us on Social Media and stay connected: Facebook Page - https://www.facebook.com/yadnyaacademy/?fref=ts Facebook Group - https://goo.gl/y57Qcr Twitter - https://mobile.twitter.com/investyadnya
Considerations for annuity purchase
 
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Watch our video to learn more from Financial Planner, Chris Ball, about using your pension funds to purchase a guaranteed income in retirement. For further information, visit www.boolers.co.uk
Views: 17 Boolers
Annuities : Annuity Due , Finding Future Value
 
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Thanks to all of you who support me on Patreon. You da real mvps! $1 per month helps!! :) https://www.patreon.com/patrickjmt !! Annuities : Annuity Due , Finding Future Value. In this video, we invest a fixed amount at regular intervals in an annuity due. We then find the future value of the annuity.
Views: 518737 patrickJMT
Annuity vs Mutual Fund - Mutual Funds vs Annuities Explained
 
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What is an Annuity vs Mutual Fund– Are Mutual Funds vs Annuities any good? 1-800-566-1002 http://www.RetireSharp.com . What are the major difference between annuities vs Mutual funds and how can you avoid the most common mistakes that individuals make when trying to choose mutual fund vs annuity for safe retirement planning. Deciding Between An Annuity VS Mutual Funds Investing for the future, whether that is for retirement, purchase of a home, or any other long term plan the vehicle you use will always be very important. Two of these vehicles are choosing between Annuity VS Mutual Funds. Both have their strong points and even a few weak ones that should be looked at. The first question that any investor needs to ask and answer is how great is the risk that you are willing to take and are you suited to make investments on your own or will you be looking for guidance. If you risk aversion is low then you may not wish to venture into Mutual Funds. While these investments are considered safe they still have a down side, much that was seen during the financial crises that most of the world has gone through. However, if the possibility of a large gain is the primary driving force behind your investment then Mutual Funds may be the way for you to go. If that risk aversion is high then you probably will be more suited to the safety of an Annuity. Mutual Funds are stocks. They rise and fall with the index that they are tied to and unless you have the stomach to risk your monies on your own via any number of online brokerage houses then you probably should visit one of the many brokerage houses in your hometown so you can meet a broker and hopefully develop a rapport. You will need to be very clear as to the objective that you are attempting to work towards so your broker fully understands your prospective. He or she will then give you several different funds that they think will enable you to reach your objective. They will be able to forecast the rate of return that you should be able to reach. Then you have to decide on whether this is the course of action that you will take. If you decide that Mutual Funds are the best vehicle for you then you need to decide which fund you are comfortable with. The broker that you choose to work with will be able to answer most if not all of your questions about each fund. Make sure you ask and fully understand the answers. Now then, if you risk aversion is such that any risk will drive you to the brink then you probably will need to look into an Annuity. Annuities are sold primarily through large insurance companies and most of their agents have the required licenses to sell these products. They require that anyone selling these investment to be educated and licensed. Here the insurance company will show you the best case rate of return but please do not be gullible and think that this marvelous return is what you will see. They will also show you the worst case and again don't be taken in by this very low figure. Use your mind, determine what the value in the middle is and that is a safe bet as to what your Annuity will pay. One last thing about an Annuity, these vehicles are based on a preset period of time. If you are looking to save for the purchase of a home the time frame of the Annuity must fit the time frame that you are looking at. The one area that these two investments have in common is the fact that most require you meeting with someone who is allowed to sell them. Here is it very important that you feel that either the broker or the insurance agent is trustworthy and will do the best job in helping you obtain your investment objective. Remember, if you are not comfortable with the person you are talking with there are many others out there just waiting to be of service. The question of an Annuity VS Mutual Funds is an important one and you must do all the research required to answer the question correctly. You must fully understand exactly what it is that you are trying to accomplish and then determine the best way to go about accomplishing that objective. Please understand that this video is meant to help individuals understand the basics of mutual funds vs annuities, but the most important aspect is making sure that you are taking the correct steps and dealing with specialists every step of the way. Rather than play a guessing game with your retirement options call 1-800-566-1002 and speak with a specialist from Ifasi Financial Group. Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: Fixed indexed annuity vs mutual fund Deferred annuities vs mutual fund Mutual funds vs fixed annuities Hybrid annuities vs mutual funds Mutual fund vs annuity planning https://www.youtube.com/watch?v=jlGLUXvTd0c
Views: 2043 retiresharp
Should I buy Annuity? | Pros & Cons of Buying Annuity | Retirement Planning Tips by Yadnya
 
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In simple terms, an annuity is a contract between a person and a company. The person gives the company a sum of money, and in return is promised a monthly payout, generally for the rest of their life. In the absence of social security, or sufficient pension, you need a financial instrument that will give you the income you seek for the rest of your life. Annuities do precisely that. In India they are sold by life insurance companies and you can choose from a range of options available currently. There are few cases where annuities make sense for retirees or folks planning to retire soon. At the same time, there are risks and situations where annuities are the wrong choice. Find us on Social Media and stay connected: Facebook Page - https://www.facebook.com/yadnyaacademy/?fref=ts Facebook Group - https://goo.gl/y57Qcr Twitter - https://mobile.twitter.com/investyadnya
What is a "SPIA" Annuity?  Should I Purchase a Single Premium Immediate Annuity?
 
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SPIA means Single Premium Immediate Annuity, and in this video, I will explain to you the pros and cons of a SPIA annuity. Find out here if a single premium immediate annuity fits into your investment portfolio in a way that makes sense to your financial future. This footage is from a previous Fort Lauderdale Retirement Planning Class at Broward College; and another retirement planning class is being taught by Barry Young soon at Broward College! Instructor Barry Young with Whitestone Wealth Management teaches "Rejuvenate Your Retirement", an educational retirement planning class for post-retirement and pre-retirement individuals. Designed to help you with your retirement planning process, this retirement planning course helps attendees with things like: - Maximizing tax efficiency of withdrawals from mutual funds/IRAs - Evaluating and planning for health care - Calculating whether or not you should convert your IRA to a Roth IRA - Applying strategies that are designed to increase your Social Security retirement benefits ...and SO much more! For more information about this retirement planning class at Broward College, please visit www.BrowardCountyRetirement.com today! To register for the class now, just click "Register Now!"
Views: 1193 Whitestone Wealth
What is an ANNUITY and how does it work?
 
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An annuity is a financial product sold by life insurance companies to generate a fix regular income for rest of your life.
Views: 55201 MyInsuranceClub
Annuity Interest by CA Raj K Agrawal
 
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StudyAtHome.org is a Online/Offline Platform, that provides CA/ CS/ CMA classes from India's Best Professors at your Home. To Buy Complete Lectures mail us on [email protected] or call on 08737 012345
Views: 65665 Study At Home
The Basics of Sinking Funds
 
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Understanding the idea behind sinking funds
Views: 71479 Elroi Academy
Purchasing Annuity
 
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Purchasing Annuity purchasing an annuity for care home fees, purchasing an annuity uk, purchasing an annuity with 401k funds
Views: 175 Maria R. Servantes
Investing 401k Funds Into An Annuity
 
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Investing your 401k into an annuity is actually pretty simple. To download the free 401(k) Rollover 10-Point Checklist go to http://retirementplanningmadeeasy.com/401krollover Step 1. Choose an annuity. You do this by determining what the purpose of the annuity is. What goal is it going to solve for you in your overall financial plan? You'll probably do this while talking to a financial advisor or an insurance agent. Just make sure the annuity fits in to your overall financial plan and goals. Step 2. Open up the annuity account. This means send in your application. The actual funds from your 401(k) will follow AFTER the account has been set up. With an annuity your account number is typically going to be call a policy number. Step 3. Transfer the funds into the annuity. Call up your 401(k) plan and tell them to make a check out to the insurance company where your annuity is held. The check your 401(k) plan makes out will include your policy number, and it will be for your benefit. Be sure you don't do the indirect transfer on Step 3. Just do the DIRECT transfer. Step 4. You're done! To download the free 401(k) Rollover 10-Point Checklist go to http://retirementplanningmadeeasy.com/401krollover And be sure to check out more videos / articles and retirement information at http://retirementplanningmadeeasy.com/ Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Should I Buy A Fixed Index Annuity
 
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If you've ever wondered if you should buy a fixed index annuity, it is probably because a financial advisor has recommended one to you. Well, it may be a good decision to buy one, but on the other hand it may not be in your best interest. To download your FREE ebook "How To Avoid Annuity Traps" visit http://retirementplanningmadeeasy.com/annuity-traps First, you need to know what is a fixed index annuity. It is "Fixed," meaning it is not variable, so you are not subject to market risk in one. Your interest is earned based on what an "Index" does, such as the S&P 500. And it is an "Annuity" which means it is a contract between you and an insurance company. Whatever guarantees the insurance company puts into the annuity contract, it must honor. How Does A Fixed Index Annuity Work? When you purchase a fixed index annuity you can choose some options to allocate your money across. These are the types of index crediting methods. If the index you are tracking does well, then you have the potential to earn interest inside your annuity. In a sense you are participating in a limited portion of the stock market's gains. And let me stress "limited." You will not have the potential to earn as much as you could if you directly invested in the equity markets. Who Should Buy A Fixed Index Annuity? Fixed index annuities do some things very well. Astronomical growth is not one of them. So if you are looking for that, don't buy a fixed index annuity. It's not for you. And don't believe ANY advisor that says you will see incredible growth out of a fixed index annuity. However, they are good for 4 things: 1. For conservative growth of funds where the most important thing is principal protection. Your money is not invested in the stock market. So if it goes down you will not lose money in a fixed index annuity. 2. They are good for guaranteed retirement income. Fixed index annuities often include income riders. These will guarantee you a specific amount of income that you can never outlive. If you like this type of guarantee when it comes to retirement income planning, then a fixed index annuity may help you out. 3. Some fixed index annuities provide limited long-term care benefits. They usually do this through the income rider that I mentioned above. 4. They can help you enhance the legacy you leave to your heirs. This is a good option for people that can't qualify health-wise for a better legacy maximizing strategy like using life insurance. Need some help determining if you should buy a fixed index annuity? You can ask me your questions by claiming a spot on my calendar for a 20 minute phone conversation. You can do so by visiting: http://www.meetme.so/chrishammond I'll help answer your questions and point you in the right direction. To download your FREE ebook "How To Avoid Annuity Traps" visit http://retirementplanningmadeeasy.com/annuity-traps Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
How to purchase an annuity - Vanguard
 
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You've saved for your retirement for years. Now that your retirement is approaching, how will you convert your plan savings into a regular income stream to help pay your bills? Learn more at http://www.vanguard.com/retirementpaycheck Join us on Facebook - http://www.facebook.com/Vanguard Follow us on Twitter - http://twitter.com/Vanguard_Group
Views: 4141 Vanguard
Should I Switch My 401K For An Index Annuity or Index Fund?
 
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Gregg has invested in a 401K for 25 years, but he wants to know if an index fund or index annuity would be more secure. While the terms sound similar, an index fund and an index annuity are incredibly different types of investments. Wes explains the difference and helps Gregg choose the best option. Original air date: September 24, 2017 - Call 1. Wes Moss is the host of MONEY MATTERS – the country’s longest running live call-in, investment and personal finance radio show – on News 95-5FM and AM 750 WSB. You Can Retire Sooner Than You Think, by Wes Moss - Buy it here: http://a.co/4Srbldy These audio clips are recordings from the Money Matters radio show. The provided discussions are general in nature and based on the financial and economic events at the time and/or minimal information disclosed by call-in participants. The responses to questions are not meant to be personalized investment advice. Every person's financial situation is unique and there is no one-size-fits all advice and requires more detailed analysis than what can be conducted for a call-in participant. Any information obtained in the audio should not be accepted as investment advice and should be discussed with a financial professional. Any actions taken should only be done after evaluation and analysis of your specific situation. All investing involves risk including the loss of an investor's principal. No guarantees can be offered that any of the call-in participants were successful or that any information provided assisted the call-in participant in achieving their financial goals.
Top 3 Best Fixed Annuities For Retirement Planning
 
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When there's a need and they are used properly, annuities may play a very helpful role in a retirees planning. To download your free copy of the ebook, "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com... Everybody has different needs. So the "best" annuity for one person will not be the "best" annuity for another. Keeping that in mind, let's look at 3 types of fixed annuities that are commonly used for retirement planning. #1: Immediate Annuity - This is the simplest annuity to understand. You give some money to an insurance company and they pay you back an income that can last the rest of your life if you'd like it to. It's best used for people that need some additional guaranteed income in retirement to meet their monthly expenses. #2: CD-Like Annuities - These are called Multi-Year Guaranteed Annuities. They guarantee a fixed interest rate for a set period of time. They are very similar to bank CD's. These are best used when you want a guaranteed interest rate on your money with no market risk. They provide predictability. #3: Fixed Index Annuities - These don't decline in value if the market crashes, so they are a good option from an asset protection stand point. Expect conservative growth from these annuities. They only participate in a portion of the increase of whatever index they are tracking. They are best used when a person wants a portion of their portfolio to not have market risk in it. They have the potential to outperform other conservative investments. They can also be used to guarantee income through income riders that can often voluntarily be added to them. To download your free copy of the ebook, "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com... To read the full article that goes with this video click here: http://retirementplanningmadeeasy.com/top-3-best-fixed-annuities-for-retirement-planning/ Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Annuity Method of Depreciation [For B.Com/M.Com/CA/CS/CMA]
 
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In this lecture I have been discussing the concept and procedure to record depreciation under 'Annuity Method'. 🔴 Download Notes: https://drive.google.com/drive/folders/0BzfDYffb228JNW9WdVJyQlQ2eHc?usp=sharing 🔴 Connect on Facebook : https://www.facebook.com/ca.naresh.aggarwal 🔴 Connect with Google+: https://plus.google.com/u/0/+CANareshAggarwal #Depreciation #AnnuityMethod #Accounting
Views: 3684 CA. Naresh Aggarwal
All you need to know about ANNUITY plans in India
 
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All you need to know about ANNUITY plans in India from our expert Mr. Deepak Yohannan, CEO and founder at MyInsuranceClub. Click here to explore more: http://m-ic.in/2gUcxSO Click here to get pension plans: http://m-ic.in/2hsLuS4
Views: 3579 MyInsuranceClub
What Are The Pros And Cons Of A Single Premium Immediate Annuity?
 
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Joan's financial adviser has encouraged her to invest in a single premium immediate annuity. Wes discusses the pros and cons of a big commitment that could be a profitable piece of Joan's retirement savings plan. Original air date: July 2, 2017 - Hour 1, Call 3. Wes Moss is the host of MONEY MATTERS – the country’s longest running live call-in, investment and personal finance radio show – on News 95-5FM and AM 750 WSB. You Can Retire Sooner Than You Think, by Wes Moss - Buy it here: http://a.co/4Srbldy These audio clips are recordings from the Money Matters radio show. The provided discussions are general in nature and based on the financial and economic events at the time and/or minimal information disclosed by call-in participants. The responses to questions are not meant to be personalized investment advice. Every person's financial situation is unique and there is no one-size-fits all advice and requires more detailed analysis than what can be conducted for a call-in participant. Any information obtained in the audio should not be accepted as investment advice and should be discussed with a financial professional. Any actions taken should only be done after evaluation and analysis of your specific situation. All investing involves risk including the loss of an investor's principal. No guarantees can be offered that any of the call-in participants were successful or that any information provided assisted the call-in participant in achieving their financial goals.
Withdrawing Money from an Annuity - Withdrawing Money From My Annuity
 
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What are ways on withdrawing money from an annuity – What is a strategy to withdraw money from annuity? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of tips for withdrawing money from an annuity and learn how you can avoid the most common mistakes that individuals have made when looking to purchase an annuity and withdrawing money from an annuity. ANNUITY IF CLOSE TO RETIREMENT If you are close to retirement, or already retired, an immediate annuity is a wiser financial choice. Immediate annuities must be purchased with a lump sum since payments will usually begin within one month of purchase. When you purchase an immediate annuity you are guaranteeing a steady income for the rest of your life, or for a predetermined time period. When you receive payments from an immediate annuity you are only taxed on the earnings from your initial investment. The part of your check that is the principal is not taxable. 3 MAIN OPTIONS FOR WHEN YOU RECEIVE AN ANNUITY PAYMENT There are three main options to choose from when receiving an annuity payment. 1) The first is Income for Life which guarantees you a set income for the duration of your life, but payments will cease upon your death. This option is risky since you don't know exactly when you will die. Should you die before your annuity has been completely paid out, the insurance company, and not your beneficiaries, will receive the remainder of the annuity funds. 2) The second payout option is Income for Life with a Guaranteed Period. This option is more appealing because it provides the same coverage as the first option, but if you die before the predetermined guarantee period expires, your beneficiaries will continue to receive payments until the guarantee period ends. 3) A third option is known as the Joint and Survivor option. This option guarantees payment to you and another person, usually a spouse, until both of you dies. Annuity payout options are flexible and any of these options can be combined to fit your individual needs. DOWNSIDES TO AN ANNUITY Annuities may also be used to fund your 401(k), 403(b), and Individual Retirement (IRA), although it is not generally advised to use your annuity for this purpose. The two downsides of greatest concern are a contribution limitation, and the federal government requirement for you to begin receiving minimum payments by age 70 ½. Additionally, once you have used your annuity to finance your 401(k), for example, you will incur a ten percent penalty for early withdrawal if you take money before you reach age 59 ½ and there are few exceptions to paying this penalty. Once you begin receiving annuity payments you cannot change your mind, and you will continue to receive payments for the predetermined time frame established during the accumulation phase. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: withdrawing money from an annuity retirement withdrawing money from an annuity income withdrawing money from an annuity explained withdrawing money from an annuity reviews withdrawing money from an annuity review What is the best fixed indexed withdrawing money from an annuity for retirement vs the top immediate income withdrawing money from an annuity for retirement https://www.youtube.com/watch?v=gB_gXm4Hqu4
Views: 709 retiresharp
HDFC  MF New scheme , Monthly Pay Out in Hindi ( Prudence Fund )
 
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Hello Friends Note :- हेलो दोस्तों "HDFC Mutual fund का Prudence Fund एक बहुत ही अच्छा पेंशन प्लान हे हलाकि इसका नाम Officially पेंशन प्लान नहीं हे लेकिन आप एक बार निवेश करके प्रति माह पेंशन के रूप में एक निश्चित राशि पा सकते हे जोखिम एवं अन्य जानकारी वीडियो में बताई गई हे " In this video we will show you hdfc mutual fund pension plan, in which one can invest a Big amount and get regular pension For example If Some One Invest 10 lac Rs. Then he can get 10000/- pension per month "this is really amazing plan". In this plan by investing a big amount one can get an amount of pension. in this plan pension start immediate no need to wait for long time. start this plan and pension start hand to hand. So Friends Lets see the name of this plan Then Name of the HDFC MF Pension Plan Is """" HDFC PRUDENCE FUND""" ( An Open Ended Balanced scheme) { Two Option available regular and direct both are good HDFC Prudence fund is balanced fund which invest in both equity and debt Instrument which give amazing returns. Now See How to Buy HDFC Mutual Fund Online , first option to buy hdfc pension plan -- one can buy this plan from hdfc mutual fund office second option to buy hdfc mutual fund pension plan is visit to hdfc bank and buy hdfc pension plan Third Option to invest in hdfc pension plan or invest in hdfc pension plan direct from home is log in to http://www.hdfcfund.com/investorcorner/hdfcmf-online
Views: 591781 Online Support Raj
HDFC Life Pension Guaranteed Plan | Review, Features and Benefit full Detail in hindi.
 
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प्रीमियम चार्ट देखने के लिए इस लिंक पर क्लिक करे:-http://mahendrakori.com/hdfc-life-pension-guaranteed-plan/ HDFC Life pension guaranteed plan:- HDFC Life pension guaranteed plan ek aisa annuity plan hai jo annuitant ko wide range of annuity option provide karti hai. Jisme annuitant apni jaroorat ke hisab se apne liye Immediate Life Annuity, Immediate Life Annuity with Return of Purchase Price aur Deferred Life Annuity with Return of Purchase Price me se apne liye suitable annuity option choose kar sakta hai. HDFC Life pension guaranteed plan annuitant ko single life aur Joint life ka bhi option provide karti hai jisme aap apne spouse ko bhi is pension plan me add kar sakte hai. Iske sath hi is plan ko lene ke baad milne wale pension ke amount ko lene ke liye aapko kahio jaane ki jaroorat nahi hoti hai balki insurnace company aapke pension amount ko aapke bank account me online credit kar deti hai. Thanks to Jonny Easton (Credit) Music provided by Jonny Easton: - [email protected] Music: - Road Less Travelled - https://www.youtube.com/watch?v=AuMIXD3UPaA Copyright Disclaimer: - Some contents are used for educational purpose under fair use. Copyright Disclaimer under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.
Views: 72524 Mahendra kori
Purchase Annuities
 
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Purchase Annuities purchase immediate annuity with ira funds, why purchase annuities, purchase annuities explained
Views: 186 Philip E. Taylor
Annuity withdrawal options
 
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10/26/2017 Webcast: What's an annuity and is it right for me? What can you do if you want to move your money from one annuity to an annuity at another company? Danielle Corey of Vanguard Annuity and Insurance Services discusses your options. Important information For more information about Vanguard funds or variable annuity products, visit vanguard.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about the product are contained in the prospectus. Read and consider it carefully before investing. All investing is subject to risk, including the possible loss of the money you invest. This webcast is for educational purposes only and should not be viewed as an investment recommendation. We recommend that you consult a tax or financial advisor about your individual situation. Product guarantees are subject to the claims-paying ability of the issuing insurance company. The Vanguard Variable Annuity is a flexible-premium variable annuity issued by Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa (NAIC No. 66281), and in New York State only, by Transamerica Financial Life Insurance Company, Harrison, New York (NAIC No. 70688). Form No. VVAP U 1101 (in Florida, Form No. VVAP U 1101 (FL), in Oregon, Form No. VVAP U 1101 (OR) (R), and in New York, VVA NY 0208(R13)). GLWB Rider Form No. RGMB 43 0811 (in Florida, RGMB 43 0811 (SI)(FL), RGMB 43 0811 (JT)(FL), in Oregon, RGMB 43 0811 (SI)(OR), RGMB 43 0811 (JT)(OR), and in New York, RGMB 43 0811 (SI)(NY) (REV), RGMB 43 0811 (JT)(NY) (REV)). Return of Premium Death Benefit Rider Form No. VVA RP 0811 (in Florida, VVA RP 0811 (FL), in Oregon, VVA RP 0811 (OR), and in New York, VVA RP 0811 (NY) (REV)), without agent representation. Policy and rider form numbers may vary by state and may not be available in all states. The Vanguard Group administers the Vanguard Variable Annuity for the issuer. The Vanguard Group, Transamerica Premier Life Insurance Company, and Transamerica Financial Life Insurance Company do not provide tax advice. Investors are encouraged to consult a tax advisor for information on how annuity taxation applies to their individual situations. The Vanguard Variable Annuity has an average expense ratio of 0.52%, versus the annuity industry average of 2.26% (Source: Morningstar, Inc., as of December 2016); excludes fees for optional riders. Actual expense ratios for the Vanguard Variable Annuity range from 0.40% to 0.71%, depending on the investment allocation. The expense ratio includes an administrative fee of 0.10% and a mortality and expense risk fee of 0.19%. The expense ratio excludes additional fees that would apply if the Return of Premium death benefit rider or Secure Income (GLWB) rider is elected. In addition, contracts with balances under $25,000 are subject to a $25 annual maintenance fee. © 2017 The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor of the Vanguard Funds.
Views: 2504 Vanguard
Mutual funds vs annuity
 
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From an account statement, this video will show you how to determine the difference between an annuity and a mutual fund so that you can properly complete your E-application.
iXray Hybrid Annuities | Hybrid annuities can be a great way to fund your personal pension
 
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Hybrid annuity | Visit http://www.ixrayannuities.com OR Call Us 866-589-9366. Hybrid annuities, also known as fixed index annuities, can be a great way to provide income for life. Personal pensions - you have your life savings. Will you life savings last your entire life? By funding your personal pension you can rest easier knowing you'll have a lifetime of income. Hybrid annuity | fixed index annuity | FIA | hybrid income annuity
Views: 1685 Richard Loek
What are immediate annuities - How can you use an immediate annuity for retirement
 
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What is an immediate annuity- Are Immediate Annuities good for retirement? 1-800-566-1002 http://www.RetireSharp.com . What are the basics of immediate annuities and how can you avoid the most common mistakes that individuals have made when purchasing this type of income annuity. https://www.youtube.com/watch?v=fSSf5DxnCkA Please understand that this video is meant to help everyday seniors and retirees understand the basics of an immediate annuity, but the most important aspect is making sure that you are taking the correct steps and dealing with specialists to further your comprehension. Rather than play a guessing game with your retirement income options simply call 1-800-566-1002 to speak with a specialist from Ifasi Financial Group. We just implemented 24/7 customer service to help service the influx of retirees wanting to obtain peace of mind when planning for retirement. The best part about dealing with a strategy specialist is that WE DO NOT CHARGE ANYTHING TO SPEAK WITH US! http://www.RetireSharp.com There are many advantages of immediate annuities over other types of annuities offered for retirement income planning. If you are like majority of seniors and retirees, you may not have been educated on the basics of immediate annuities. The most simplistic way to understand an immediate annuity is to correlate it to a pension plan offered through an employer. Pension plans are great for retirement because they offer a fixed income that would be paid out year by year. The immediate annuity contract acts kind of like a “personal pension plan”, and allows the individual to obtain lifetime income that they can never outlive. Immediate annuity income is not small amounts but rather very favorable contractual payments with the dollars leveraged that were placed in. Now please understand that we do not like to place a square peg in a round hole, meaning that if your situation does not correlate to these types of financial products then we will offer a better suited strategy on your desired goals. Please make sure to subscribe to our YouTube channel for updated videos! Related Terms: single premium immediate annuity Single payment immediate annuity Immediate annuity companies Best immediate annuities for retirement https://www.youtube.com/watch?v=Q93arQitJac
Views: 4674 Retire Sharp
Can you purchase an Annuity using Bitcoins?
 
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So is it possible to purchase and fund an annuity using Bitcoins? At least here in America, the answer is a big "No". Insurance carriers who issue annuities are conservative in general, so we would be shocked if any of them started accepting bitcoins anytime in the near future. However, if bitcoins truly to catch on where all major Fortune 500 companies are accepting bitcoins as legal tender to buy their goods and services, you could expect the insurance carriers to follow suit. To download your FREE annuity reports, go to http://www.annuitythinktank.com Another thing slowing down the insurance carriers from accepting bitcoins (or any other kinds of currency for that matter) are the strict rules on money laundering and foreign investments that the financial services industry as a whole must adhere to. For instance, annuities can't be funded with hard cash, the owner must be an American citizen with a Social Security number or Tax ID, they must have a US address, and many other protective measures. To receive your FREE Annuity reports today, go to: http://www.annuitythinktank.com
Views: 187 Annuity Think Tank
My Annuity Is Not Growing
 
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 36391 The Dave Ramsey Show
Sales Idea - Using Annuities to Fund LTC
 
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Tom Merrion presents techniques on how to Fund LTC premiums by using Annuities.
Views: 229 ResourceBrokerage
Best Annuities for Retirement Income - What are the Best Annuities for Retirement Income
 
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What are the best annuities for retirement income – What is the best annuity for retirement income? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of annuities for retirement income and learn how you can avoid the most common mistakes that individuals have made when looking to purchase the best annuities for retirement income. Finding The Very Best Annuity Rates Annuities are an investment that will provide you with a retirement income. When a good investment is made it will provide the best annuity rates, which, combined with Social Security, company pension or other income, will provide for a very nice income when you are no longer working. Having a good retirement income takes planning and one cannot start too soon. Annuities are contracts put out by insurance companies that will pay the owner a regular check at a time agreed on. Life-time annuities are particularly popular as they are guaranteed for the life of the annuity holder however many choose the shorter term ones as the rates are higher. There are many different types of annuities. Some have a fixed rate, or income, others depend on the stock market or other entities. The best time to start working on this type of plan is when a person is young and still working. Unfortunately for a person in this position that usually seems a long time off. When an insurance company receives funds from clients they invest the money, depending on the type of product purchased. Fixed rate annuities are invested in thing such as bond funds and pay out at an advertised rate of appreciation. In other words, they appreciate in value as the interest accumulates from the investment. What the company has advertised as the rate of payment is what you will get. The variable rate annuities make riskier investments and the rate paid out will vary depending on whether the investments made or lost money. It has greater possibility of gains but also has the possibility of lower returns than the fixed rate. This type of fund also has additional fees. A number of insurance companies will have a fixed minimum rate of return of 2 to 3 per cent regardless of the investment return, others do not. There is no income tax on the earnings until the money is drawn out. The majority of contracts have a limited period of time they will be in force. The shorter contracts pay out more than those that are stretched over a long period of time. It is possible for you to purchase a lifetime annuity but the money remaining, when you die, is lost unless you have a 'death benefit' clause. This clause assures that any money left in the remaining fund will go to your heirs. Choosing a good and reliable insurance company to make this kind of investment is critical. Special investigations should be made regarding such things as how long they have been in business, their rate of return and other factors. The sad thing is that if an insurance company goes bankrupt you will lose your money. In checking out the various companies that offer Pension Annuities you will find different rates. This is because some companies have less overhead costs than others do. There is no doubt that having a good annuity policy, that pays the best annuity rates, is a big boost to one's retirement income. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: best annuity for retirement income top annuities for retirement income best annuities for retirement income explained best annuities for retirement income reviews best annuities for retirement income review What is the best fixed indexed annuities for retirement income vs the top immediate income annuity for retirement income https://www.youtube.com/watch?v=ruitxL7nxUw
Views: 4030 retiresharp
#6 | Annuity | Part :3 | valuation of bond | sInking fund | cost benefit analysis | lease or buy
 
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This video is suitable for MATHEMATICS OF FINANCE |MATHEMATICS OF FINANCE B.COM | MATHEMATICS OF FINANCE B.COM HONS | MATHEMATICS OF FINANCE BY CHANDAN PODDAR | MATHEMATICSS OF FINANCE 2ND YEAR | MATHEMATICS OF FINANCE DU | MATHEMATICS OF FINANCE IN HINDI | CPT MATHS COMPOUND INTEREST | CPT QA SIMPLE INTEREST AND COMPOUND INTEREST | CS MATHEMATICS OF FINANCE . To watch complete course click here :- https://www.vidyakul.com/super-saver/super-saver-by-chandan-sir For Videos related call at :- 9818434684 For Books related enquiry :- 8010201786 For any other Enquiry :- 9953633448 Mail ID :- [email protected]
Annuity v Flexible Pension Drawdown
 
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Don't forget annuities when looking at retirement options
Views: 2765 MakeMoneySaveTax
Annuities VS. Stocks, Bonds, Mutual Funds
 
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http://www.ArizonaAnnuityRates.com Learn how an Equity Indexed Annuity is a better choice over stocks, bonds, and mutual funds.
Views: 2617 Matt Irons
Financial Products that Fund College Education – Let’s Get Down to Business – Part 4 of 5
 
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Sub Headline: There are a Variety of Products and Resources to Pay for College Synopsis: There are two fundamental considerations in product selection: risk tolerance and suitability. You have to know your psychonomics or financial profile. You need to know your timeline of events. Then you can select the appropriate product or borrowing tactic. Watch the interview with college planning expert John McDonough. Content: Just because you CAN borrow from your 401(k), IRA or Roth IRA for your child’s education, doesn’t mean you SHOULD. The repayment schedule is abysmal. The interest rate is unavoidable. Invading your retirement monies may force you to work longer, lower your lifestyle and force you to maintain a mortgage, instead of paying it off. Mutual funds and ETFs inside a 529 Plan can be an excellent funding product provided you have a mid term horizon timeline (like ten years) and your financial profile’s risk tolerance is suitable for market volatility. The cost of these products can vary from fund to fund, so full disclosure of all costs (like the expense ratio, charges found in the statement of additional information, and cash drag costs) is essential. Once you’ve researched your funds with your financial adviser you can review using a 529 Plan as a possible funding apparatus. Non Modified Endowment Life Insurance is a cash value contract that complies with the TAMRA regulations so the cash values accumulate tax deferred and the withdrawals of basis and collateralized policy loans of gain are generated tax-free. There are four types of cash values policies to select from based on your risk tolerance and suitability timeline. If the timeline is ten years or more before distributions, then this type of life insurance use or if it’s purchased as a combination college and retirement funding vehicle can be appropriate. The types of cash value life insurance policies are: participating whole life, universal life, indexed universal life and variable universal life. Non Qualified Annuities for Older Parents Older than 591/2 Some Baby Boomers had their children late in life and could consider an annuity for a conservative approach to investing for college. Certain annuities are available like fixed interest rate annuities that can be held over a long time or simply rolled over for a better rate. Deferred income annuities can be purchased for a future date when the bills for tuition, books, and room and board are due. Appreciating Equity Lines of Credit for Parents Age 62 and Older Seniors can use an Appreciating Equity Line of Credit under the HECM for tax-free access of cash without repayment. There are some rules to HECM, but they’re fairly straightforward and should be easy to comply with. John McDonough has contributed to this press release. Segments in part or whole are from his publications. Syndicated financial columnist, talk show host and popular platform speaker Steve Savant interviews college funding expert John McDonough on Financing Your Child’s Education. Let’s Get Down to Business is an hour-long financial talk show for financial professionals distributed online in 5 ten-minute video press releases Monday through Friday through Trans World News 280 media outlets, social media networks and industry portals. (www.lifesizesolutions.com) https://youtu.be/ybtbzGJ1yfU
Five Top Reasons NOT to Buy an Annuity...
 
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http://annuityguys.org/top-five-reasons-not-to-buy-an-annuity What are the top five reasons not to allocate funds to an annuity? Based on many years of experience and an informal office survey the top five reason are... 1.Too old or too young. 2.A lack of sufficient assets. 3.Expectation of an unrealistically high return. 4.Probability of needing annuity dollars prior to maturity. 5.Missing a reasonable understanding of how annuities work Learn more, click our link above. Full article at http://annuityguys.org Disclosure: Videos are educational and conceptual only and not a solicitation. They are not to be considered investment, insurance, tax or legal advice. It is recommended that you work with licensed professionals for individualized advice before making any important financial decisions. Annuities are not FDIC insured and their guarantees are based on the claims paying ability of the issuing insurance company. State Guarantee Associations, while offering specific protections, are not the same as FDIC insurance. Read more Annuity Guys disclosure at: http://annuityguys.org/about-us/site-terms-conditions-and-disclosure
Views: 89376 Annuity Guys
Index Mutual Funds, ETFs, Annuities & Life Insurance - Steve Savant’s Money – Part 5 of 5
 
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Sub Headline: There’s a Variety of Ways to Participate in Index Investments Synopsis: One reason for the popularity of index- based funds is that they tend to cost investors less than actively managed funds. That’s because index-based fund portfolios are determined by the relevant indexes, and not by professional managers. Watch part 5 Index Mutual Funds, ETFs Options; Annuities & Life Insurance from the series Index Investing with syndicated financial columnist and talk show host Steve Savant. Content: Each index fund’s prospectus explains its approach to selecting investments,as well as providing its expense ratio, historical returns, risk profile, and other fund information. Most index funds are full replication funds. That means they buy all of the securities in the funds they track. Others are sample-based. Providers of these funds may use complex mathematical models to identify securities from among those in the index or look for price inconsistencies on which they can capitalize. An enhanced index fund chooses selectively from a particular index portfolio in order to produce a slightly higher return. The goal is to narrowly beat the index by anywhere from a fraction of a percent to two percent-age points but not more, since a wider spread would classify the enhanced fund as an actively managed mutual fund rather than an index fund. Enhanced index fund managers may achieve higher returns by identifyingthe undervalued stocks in the index, adjusting the holdings to include a larger proportion of securities in higher- performing sectors, or using other investment strategies, such as buying derivatives or using leverage. While enhanced index funds may expose you to the risk of greater losses than their plain-vanilla counterparts, they may also offer an opportunity for higher returns. Quant funds are named for their quantitative investment style. They aim to beat the index funds they imitate by relying solely on statistical analysis to decide which securities will top the benchmarks. For example, instead of buying all the stocks in the S&P 500, a quant fund provider would buy selected stocks that its analyses indicate will turn a higher profit. But no indexing approach guarantees a strong return or protects against losses in a falling market. The vast majority of ETFs are index- based, which means that the ETF port- folio is determined by the components of the particular index to which the fund is linked. For example, the first commercial ETF, the SPDR—short for Standard & Poor’s Depository Receipts and pronounced “spider”—holds all the stocks in the S&P 500. ETFs are fully transparent, which means you can find the current list of securities an ETF holds on the fund provider’s website at any time. In con- trast, actively managed mutual funds update their list of holdings quarterly but aren’t required to report any portfo- lio changes that occur within a quarter. Contributions from the book Index Investing in this press release are used with permission from Light Bulb Press. Syndicated financial columnist, talk show host and popular platform speaker Steve Savant features Index Investing. Steve Savant’s Money, the Name of the Game is an hour-long financial talk show for financial professionals distributed online in 5 ten-minute video press releases Monday through Friday through Trans World News 280 media outlets, social media networks and industry portals. (www.lifesizesolutions.com) https://youtu.be/KZCuEG6rgy8
Views: 1100 Steve Savant
Pension Plan Annuity Purchases: The Time is Now!
 
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Join James Walton and Michael Clark of P-Solve for a discussion of why now is the time for your pension plan to purchase annuities for some or all of your retirees. Learn how annuity purchases save your company significant money, how the marketplace has evolved to increase competition, how to meet your fiduciary obligations, and why the right process matters.
Annuity/ Pension Options Simplified II Regular Income Option # 3
 
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While purchasing a pension plan we are asked to choose from various pension options. So, we have simplified annuity /pension options which one has to choose. This video tells you about how much pension you get on choosing a particular option. This Channel is promoted by a Certified Financial Planner. Disclaimer: Although we take care of every single aspect towards the content of our videos, however in any case, the maker of this video will not be held liable for any change in any information and not up to date information provided. our website : http://bestinvestindia.com/ Linked in :https://www.linkedin.com/in/best-inve... https://www.facebook.com/BestInvestIndia Magic of Rs 500 II Power of compounding can do wonders हिंदी में https://www.youtube.com/edit?o=U&video_id=ylhcWvddJf4 Benefits of Investing in Mutual Funds https://www.youtube.com/edit?o=U&vide... What are Mutual Funds https://www.youtube.com/watch?v=-cul-... Pradhan Mantri vaya vandana Yojana https://www.youtube.com/watch?v=EuBs6... ELSS Mutual Fund क्या है ? क्या जानना जरुरी है invest करने से पहले https://www.youtube.com/watch?v=syavt.. National Pension System / NPS in Hindi, जानिए NPS क्या है हिंदी में https://www.youtube.com/watch?v=W5gQm... What is PPF Account/New Rules 2017 in Hindi/ Use PPF for Regular Income After Maturity https://www.youtube.com/watch?v=HK_vg.. . Sukanya Samriddhi Account 2017 : Calculator https://www.youtube.com/edit?o=U&video_id=jEafs9nHlSU National Saving certificate 2017 in 2 min https://www.youtube.com/edit?o=U&video_id=e8MdssabNXM SENIOR CITIZEN SAVING SCHEME https://www.youtube.com/edit?o=U&video_id=mMkieLR3XMI Save Tax & Grow wealth/ All tax saving (u/s 80C ) in India https://www.youtube.com/edit?o=U&video_id=THI4l_ndozQ Top 10 reasons why should we do financial planning/ Freedom from Financial worries in Hindi https://www.youtube.com/watch?v=HqeaVPssyyc Difference between Investment and Savings https://www.youtube.com/edit?o=U&video_id=ZFDqY2cq9Xw
Annuities Pros and Cons - Pros and Cons of Annuities
 
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What are the pros and cons of annuities- Annuities pros and cons really any good? 1-800-566-1002 http://www.RetireSharp.com. If you are interested in the pros & cons of annuities, it is important to understand whether or not it may be a good fit for your situation. Comprehend why annuities pros & cons may be beneficial, so you can save thousands of retirement dollars when you need it most. Annuities Pros and Cons - Tax Shelter Understanding annuities is not as difficult as many people think it is. There are many aspects and types of annuities and taking each one at a time is the best way to learn about this great investment option. Fixed annuities pros and cons are many, so this article focuses on one specific pro - using a fixed annuity as a tax shelter. There are three basic types of annuities - indexed, fixed, and variable. Fixed annuities are investments that are set for a specific amount of time. The great thing about them is that the investment is guaranteed. In other words, the rate of return on your investment is set and will not vary. You know going in exactly how much money you will make at the end of the investment term. For example, a $100,000 investment into a 7 year annuity, at a fixed rate of 5%, will net you a profit of $41,000 at the end of the 7 year period. Think of fixed annuities as very similar to CDs you invest in at any bank. There is, though, one big difference. The interest that you make after investing in a fixed rate annuity can go untaxed. You have the option to keep your interest in the annuity if you decide to renew it. The entire $41,000 gain will go completely untaxed. This is especially beneficial for those who are in very high tax brackets and can save them a lot of money. Be aware, however, that you will be charged major penalties if you withdraw funds from the annuity before its maturity date. Make sure that the money you invest is money that you can do without for the length of the investment term. Understanding Annuities Pros and Cons Everyone wants to be financially secure after they retire, and no one wants to outlive their money. These factors generally prompt investors to explore annuities. Pros and cons of annuities must be considered, so that if you decide to purchase annuities, pros and cons will have been completely investigated and understood. Advantages of an Annuity Annuity plans provide tax benefits, but a distinction must be made between deferred and immediate annuities. Deferred annuities provide compounded interest on a tax free basis until payouts are made via withdrawals or annuitization. Immediate annuities provide fixed payments until a specific event occurs to terminate the contract, such as the owner's death or the end of a defined period of time. They are taxed in a manner that treats a constant percentage of the payment as a return of principal. Annuities provide flexibility in terms of payouts. Additionally, since annuities are life insurance contracts, designated beneficiaries can avoid probate. Annuities are generally excluded from bankruptcy proceedings as well. And there are state guarantee funds that back annuities if the insurers that wold the plans can't make good on their payment promises. This mitigates exposure to the risk of an insurer's insolvency. Annuity Disadvantages Annuities are expensive to buy. Insurers must recover a commission on the plan that is paid to its agent. This usually totals between five percent and ten percent of the premium you pay. Insurers must also recover maintenance and ancillary benefit costs, while receiving a reasonable profit. Annuities are illiquid, and while it is easy to add funds to an annuity plan, money can only be withdrawn with surrender charges imposed. These charges differ according to the annuity contract terms, but generally, the higher the agent's commission, the higher the surrender charge and the longer the charge is imposed. Withdrawals from annuity plans are also subject to penalty taxation if they are taken before the plan owner reaches the age of 59.5 years. Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: Annuity pros and cons Fixed index annuity pros and cons Pros and cons of annuity Indexed annuities pros and cons Annuities pros & cons Pros & cons of annuities https://www.youtube.com/watch?v=qfA0cwU-y9Y
Views: 1848 retiresharp
Learn about income annuities
 
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10/26/2017 Webcast: What's an annuity and is it right for me? Choosing an income annuity means giving up the liquidity of your savings for a guaranteed stream of income. Stephen Weber, CFP®, of Vanguard Investment Strategy Group, and Danielle Corey of Vanguard Annuity and Insurance Services, discuss how nervous investors can work through the decision-making process. Important information All investing is subject to risk, including the possible loss of the money you invest. This webcast is for educational purposes only and should not be viewed as an investment recommendation. We recommend that you consult a tax or financial advisor about your individual situation. Product guarantees are subject to the claims-paying ability of the issuing insurance company. © 2017 The Vanguard Group, Inc. All rights reserved.
Views: 2294 Vanguard
Moshe Milevsky - Why Annuities?
 
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Moshe Milevsky offers his response to the commonly-asked question: "Why should I invest in annuities?" Mr. Milevsky is a professor of Finance at the Schulich School of Business at York University, Toronto, Canada. Variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states, and state variations may apply. This product has limitations and restrictions, including withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. Jackson® issues other variable annuity products with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Jackson is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®. Moshe Milevsky was paid for his commentary. His views do not necessarily reflect those of Jackson. CMC19072 07/17
Views: 5410356 Jackson
Moshe Milevsky - Why I own an Annuity
 
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Moshe Milevsky talks about his personal experience with purchasing an annuity to generate retirement income. Mr. Milevsky is a professor of Finance at the Schulich School of Business at York University, Toronto, Canada. Variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states, and state variations may apply. This product has limitations and restrictions, including withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. Jackson® issues other variable annuity products with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Jackson is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®. Moshe Milevsky was paid for his commentary. His views do not necessarily reflect those of Jackson.
Views: 864 Jackson
STOP - Annuity Fund Alert Reveals #1 Annuity Flaw |  Annuity Chattanooga
 
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http://www.AnnuityFundAlert.com - WARNING: Annuity Chatanooga - Do Not Buy An Annuity Until You Get All of the Shockings Facts. Watch This Free Annuity Fund Alert Video First. #1 Annuity Flaw - Warning! Is Your Retirement Safe? The Decisions You Make Are Crucial. Visit www.AnnuityFundAlert.com Today. Annuity Chattanooga, Annuities Chattanooga, What Is An Annuity Chattanooga, What Annuity Chattanooga, An Annuity Chattanooga, What Are Annuities Chattanooga, What Is Annuities Chattanooga, About Annuities Chattanooga, What Is An Annuities Chattanooga How To Invest Chattanooga, Where To Invest Chattanooga, What To Invest In Chattanooga, Mutual Funds Chattanooga, Investing Chattanooga, Investment Management Chattanooga, Where Do I Invest Chattanooga, Retirement Planning Chattanooga, Wealth Management Chattanooga Financial Advisors Chattanooga, How To Plan For Retirement Chattanooga, Retirement Fund Chattanooga, Retirement Funds Chattanooga, Investment Company Chattanooga, Investment Companies Chattanooga, What Is A Fixed Rate Chattanooga, Retirement Planning Chattanooga
Views: 25 AnnuityFundAlert
Learn The Basics: Fixed Index Annuities
 
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Learn how fixed index annuities work and provide the following benefits... safety, a reasonable rate of return, accumulation, and income you cannot outlive regardless of age. Retirement income and maintenance shouldn’t be something that keeps you up at night. But for many, the choices for accumulation of assets have been limited to the potential for large growth in a volatile stock market OR the paltry interest rates earned on CDs, money market funds, or low yield government bonds. But now, with a fixed index annuity, you have a financial vehicle that offers interest credits linked to various stock market indices that provide the potential for upside growth, with none of the downside risk. That’s right, when the market goes up, you earn a reasonable rate of return. When the market goes down, you don’t lose a penny. Your principle and all previous gains are locked in, protected, and guaranteed. But portfolio accumulation is only part of the story. Most Americans fear outliving their retirement income account. You have probably heard the “4% rule.” Basically, it states that you should be able to take 4% out of your portfolio every year and have a 90% chance of not running out of money. That doesn’t give much comfort to retirees in a volatile market. With a fixed index annuity, you are guaranteed that your income payout will never end … regardless of how long you live. The fixed index annuity’s lifetime income account guarantees that you can withdraw, depending upon your age, 4%, 5%, 5 & 1/2%, 6% or more and never run out of income. And if your account value is growing, there is also the opportunity of having your income payout increase. That is a guarantee! Let’s take a look at how a fixed index annuity might just be the retirement planning and income tool that would work for you. A fixed index annuity has 2 separate accounts: the Accumulation account, and the Income account. Let’s refer to the Accumulation account value as your “walk away money.” This is your initial premium plus all interest credit that you have earned via a linkage to index credits. Many people are just looking for an accumulation vehicle that is tax deferred. A fixed index annuity does that in spades! Let’s look at the other account … the Income account. The optional rider is for people who are looking for another “defined benefit” type of account – another income stream to add to their social security and pension type payments. Here is how it works: Some fixed index annuities apply a bonus to your premium in the Income account. It also guarantees that your Income account will grow at a very competitive compound interest rate, guaranteed. PLUS, some fixed index annuities credit all index interest gains in the “account value” to your income account balance. Is it possible that the income payment to you from the Income account could increase? The answer is “yes!” If interest credits are growing, when added to your Income account, the income base could increase. If that is the case, your income payment could increase. But, remember, the payout can never decrease … no matter how long you live! Many people don’t want to be locked into the income payout. There might be years when they don’t need money. That is another example of the fixed index annuity’s flexibility. You can stop and start whenever you like. Now, what about the indices that link to your fixed index annuity account value? They are household names that Americans have turned to for years. Lifetime income and protection against loss of principal and previous gains. Protection against markets. Seems like with a fixed index annuity, you can have your cake and eat it, too. Visit www.SafeMoneyPlaces.com for more information or give us a call at 1-877-844-0900 if you have any questions.
Views: 24817 SafeMoneyPlaces
401k Annuity - What is a 401k Annuity
 
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What are the 401k annuities – What is a 401k annuity? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of 401k annuities for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to set up a 401k annuity for retirement. 401k Annuity Plans Workers in the USA are able to put up funds for use in later years when they retire. Through a worker's 401k plan, a worker can save money as a retirement fund with income taxes that are deferred on the saved amount until its withdrawal in the future. A 401k annuity plan can help boost a worker's retirement plan to provide a guaranteed sum regularly after retirement. This provides a workable solution to those who are wondering about whether or not their retirement funds will be able to provide them with a regular stream of income while they are still alive. 401k plans are made available by the Internal Revenue Code that was amended by the US Congress in 1978. This provision enables workers to choose to receive a portion of their income as deferred compensation rather than direct compensation. More often than not, this facility involves the sharing of the employers in the regular contributions. This is actually more inexpensive for employers to provide than the mandated defined benefit pension they have to pay to every worker who retires from their company. In 401k plans, employers only have to put up the necessary administration and support costs aside from their share in the employee contributions as well as profit sharing contributions. This provision is also governed by rules of the Employee Retirement Income Security Act (ERISA) that has been in effect since 1974. Under these rules employees are obliged to inform its workers about their eligibility to participate in 401k plans as well as the company's existing policies regarding retirement fund contributions. There are over 500,000 US companies that support 401k plans today. This provision that was originally only made available to corporate executives are now supporting retirement funding for workers in all levels in the corporate ladder. 401k plans offer lower contribution limits than the Individual Retirement Account (IRA) which is another option to prepare for funds for use in retirement years. In recent years, 401k annuity plans have been devised as an option for workers who want to prepare for regular income instead of a lump sum after they retire. 401k annuity plans are bundled with an insurance product that makes assumptions and calculations to provide for regular annual withdrawals after the 401k benefits are payable. With this facility, a worker's contribution is split between the 401k plan and an invested portion in an annuity. Workers can invest any amount following the regular 401k payment period aside from their 401k contribution. In exchange for this, workers will be eligible for a certain fixed monthly amount from the time they retire and for the rest of their lives. 401k annuity plans can either be fixed or variable. Fixed annuities offer a guaranteed amount to be disbursed to the retiree on a regular basis. Variable annuities, on the other hand, are anchored on an underlying basket of stocks and bonds whose performance will dictate how much income a retiree can get every month after retirement and for the rest of his life. There are fees that are imputed in the annuity portion of the workers' contributions in 401k annuities. These annuity fees are considerable lower in 401k annuity plans than in regular annuities. Interest rates on annuities bundled with 401k plans are also advantageous to workers because interest rates are averaged throughout the investment period. This way, the worker is protected from interest rate fluctuations during his period of contribution. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: 401k annuity retirement 401k annuity income 401k annuity explained 401k annuity reviews 401k annuity review What is the best fixed indexed 401k annuity for retirement vs the top immediate income 401k annuity for retirement https://www.youtube.com/watch?v=Tpu5-HoOYAY
Views: 469 retiresharp
Learn about Vanguard low-cost annuities
 
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10/26/2017 Webcast: What's an annuity and is it right for me? It's always important for investors to consider costs. Danielle Corey of Vanguard Annuity and Insurance Services explains Vanguard's variable and income annuity fees and our low-cost approach. Important information For more information about Vanguard funds or variable annuity products, visit https://vgi.vg/2BudZpP to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about the product are contained in the prospectus. Read and consider it carefully before investing. All investing is subject to risk, including the possible loss of the money you invest. This webcast is for educational purposes only and should not be viewed as an investment recommendation. We recommend that you consult a tax or financial advisor about your individual situation. Product guarantees are subject to the claims-paying ability of the issuing insurance company. The Vanguard Variable Annuity is a flexible-premium variable annuity issued by Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa (NAIC No. 66281), and in New York State only, by Transamerica Financial Life Insurance Company, Harrison, New York (NAIC No. 70688). Form No. VVAP U 1101 (in Florida, Form No. VVAP U 1101 (FL), in Oregon, Form No. VVAP U 1101 (OR) (R), and in New York, VVA NY 0208(R13)). GLWB Rider Form No. RGMB 43 0811 (in Florida, RGMB 43 0811 (SI)(FL), RGMB 43 0811 (JT)(FL), in Oregon, RGMB 43 0811 (SI)(OR), RGMB 43 0811 (JT)(OR), and in New York, RGMB 43 0811 (SI)(NY) (REV), RGMB 43 0811 (JT)(NY) (REV)). Return of Premium Death Benefit Rider Form No. VVA RP 0811 (in Florida, VVA RP 0811 (FL), in Oregon, VVA RP 0811 (OR), and in New York, VVA RP 0811 (NY) (REV)), without agent representation. Policy and rider form numbers may vary by state and may not be available in all states. The Vanguard Group administers the Vanguard Variable Annuity for the issuer. The Vanguard Group, Transamerica Premier Life Insurance Company, and Transamerica Financial Life Insurance Company do not provide tax advice. Investors are encouraged to consult a tax advisor for information on how annuity taxation applies to their individual situations. The Vanguard Variable Annuity has an average expense ratio of 0.52%, versus the annuity industry average of 2.26% (Source: Morningstar, Inc., as of December 2016); excludes fees for optional riders. Actual expense ratios for the Vanguard Variable Annuity range from 0.40% to 0.71%, depending on the investment allocation. The expense ratio includes an administrative fee of 0.10% and a mortality and expense risk fee of 0.19%. The expense ratio excludes additional fees that would apply if the Return of Premium death benefit rider or Secure Income (GLWB) rider is elected. In addition, contracts with balances under $25,000 are subject to a $25 annual maintenance fee. © 2017 The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor of the Vanguard Funds.
Views: 4093 Vanguard

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