Tuesday, January 12, 2010

Equity Indexed Annuities What Are You Thoughts On Equity Indexed Annuities?

What are you thoughts on equity indexed annuities? - equity indexed annuities

In general, has no expenses (annual or funds) that are connected to you. And I have no downside risk, since it is not for real money. Not having given the diversity that have a VA with 15 different funds, but by a fundamental need for someone, the market is worried about one, sounds pretty good. Your opinion?

5 comments:

markmywo... said...

The pension must be made by a very small segment of public opinion weathy are not bought enough to be fully independent financially, but weathly enough to have a better standard of living and are worried they survive their assets.

Equity indexed Annunities only entail positive. You never lose all their money to them because it guarantees a minimum income or property, even if the reference value is indexed to lose money, insurance losses and ensure food that is annity level, therefore, no loss.

The downside is that there is a threshold above which you can not win, so that when the market is very hot and could be a lot of money for a great improvement ..... making is limited by a ceiling and the roof and the insurance company keeps the rest. This means that the marginalization of huge profits.

Because of this EIA is usually not much for the consumer, if you are willing to huge profits in exchange for peace of mind to abandon that never go toIf, as you would in a store, etc.

Insure Man said...

Index-linked pensions are good investments, especially those with risk aversion. Many of these accounts have more than an annual return of 7% in the last 5 years on average. An average of 7% without any risk of loss is hard to find anywhere.

However, there are better in every group of investment accounts than others. I am aware of the equity-indexed annuity accounts with delivery times are longer and lower caps on the amount you can get. I mean ... The pensions are not all equal.

He also wants to understand that the EIA will be seen not fee simple to be. They come in variations. The bigger the spread, and for reducing the top - whether it can win. It is important to some shop.

I wrote about the EIA, a little more please click here:

http://www.ohioinsureplan.com/annuities/ ...

http://www.ohioinsureplan.com/charts/

mbrcatz said...

Pensions are usually not a good investment.

godzilla... said...

This depends on many things, but if you were very young, I did not say. Prime candidates for these people for 55 years. When you're young, divided at once, and mutual funds. VA guaranteed income, mutual funds at risk. I am an advocate of the owner of several cars. Heck CD's paying 5%, not too bad

fretzdaw... said...

I agree with your assessment. I generally recommend people who are indexed pensions for retirement, who can not resist changes to save the market. There are zero-risk investment such products, but the indexed account allows the customer to participate in certain markets, Bull. For example, if the market rises in a given year, yields are higher, but if the market falls out of the money is lost. The growth potential is not as great as in a variable annuity, but no taxes or fees.

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