So-called “longevity” annuities—contracts that you might buy at age 65 but wouldn’t receive payments from until and unless you reach, say, age 85—are perhaps the cheapest way for people to insure themselves against the risk of living to age 90 or 95 and running out …
Near-retirees have purchased indexed annuities (also called fixed indexed annuities or equity-indexed annuities) in relatively modest but nonetheless record numbers in the past year or so. The reason: the guaranteed lifetime withdrawal benefits (GLWB) of these products are now in some cases more generous than …
Recently I visited a website that provided financial education for people nearing retirement. An article on the site told potential variable annuity buyers to read each product prospectus thoroughly before investing. I was slightly surprised by that. Virtually no one reads VA prospectuses thoroughly. Today’s …
There’s a class of mutual funds called “retirement income funds.” They’re also called “income replacement funds” and “managed payout funds.” Since they sound like potential alternatives to payout annuities, I decided to look them over. When you buy one of these funds, your money usually …
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