Variable annuities can combine investment growth with insurance benefits, but owning an annuity does not make market risk disappear. If your contract value is invested heavily in stock-oriented subaccounts, a….
Retirement changes the way market volatility affects your money. When you are still working, a market decline can be frustrating, but you usually have time to wait for prices to….
Retirement investing becomes much harder once withdrawals begin. During your working years, a market decline is uncomfortable, but you can usually keep contributing and wait for prices to recover. In….
A 20% market decline hurts at any age, but the damage can be much more serious when it happens just after you retire. During your working years, falling markets may….
A retirement portfolio can earn a perfectly reasonable average return and still run into trouble. The problem is not always how much the market earns over 20 or 30 years…..
An annuity can start out looking fairly straightforward. You deposit money, select investment or crediting options, and potentially create an income stream for retirement. Then the optional features start appearing…..
Variable annuities can be complicated enough before you even start looking at the investments inside them. Contract fees, surrender charges, income riders, and insurance guarantees usually get most of the….
Variable annuity investors often pay close attention to market returns, investment options, and lifetime income guarantees. Administrative fees rarely get the same attention because they can look small compared with….
Variable annuities can look attractive because they combine investment opportunities with insurance features. You can invest in market-based subaccounts while potentially gaining death benefits, lifetime income options, and other contractual….
A variable annuity can offer several attractive features in one contract. Investors may get market-based growth potential, tax deferral, death benefits, and optional guarantees designed to provide income during retirement…..
