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The following article was published in our article directory on November 14, 2011.
Learn more about SpinDistribute Article Distribution System.

Are Annuities Safe?

Article Category: Advice

Author Name: J. Smith

If you are concerned with losing money in the stock market, then it may be a wise invest to investigate annuities, as your product of choice.

It does not appear the economy will become bullish in the next decade, so hoping a stock market turns around is not a strategy—but suicide! Ask yourself how much money you lost listening to your stock broker? The answer should help you determine your investment strategy.

Annuities are just a form of a tax-deferred certificate of deposit. Instead of walk-in into a bank and speaking to someone in person about a certificate of deposit (for example); an annuity company invests your assets in bonds and preferred stock, held in escrow (at a large bank), and insures those assets on behalf of the investor—called an annuity.

There are several types of annuities, and not all annuities are considered equal. Currently you have your choice of the following annuity products; a) fixed CD annuities; b) immediate annuities (often called income annuities); c) fixed equity index annuities, and d) variable annuities.

Fixed CD annuities guarantee your principal against loss and give you fixed field for a specific term. Immediate annuities divide your principal and interest and payout this sum over a given period.

A fixed equity index annuity is an annuity product that guarantees your principal (if you hold the product to term), and credits with a participating return of a securities index (based on a formula).

The variable annuity is a security, which offers the investors participating returns of mutual fund sub-accounts (called units). With this type of annuity, you can lose your principal.

Conservative investors will normally choose a fixed annuity, due to the safety of principal factor, and investors who seek risk will often choose a variable annuity.
My thoughts are if you love risk, why pay an extra fee to be in a security. Why lock-up your money in a variable annuity, when you can be in a no-load mutual fund? It does not make sense. There are numerous investors that have a different opinion about variable annuities.

My job is not to give you advice, but analyze the facts.

A fixed equity index annuity offers you a participating return of a specific securities index; yet will insure your principal against loss—which sounds more logical.
The immediate annuities have some serious flaws to their product design. One of the flaws is immediate annuities may not return the original investment principal over a given period of time. Another serious flaw is an income option called "life annuitization."

With this option, the insurance company is insuring an income stream payable to the life of owner/annuitant; however, long or short that life may be. You may invest $100,000 and live only six months, which the balance would go to the insurance company (not your beneficiary).

When you look at fixed annuities, they can be a very good investment, since they insure the principal against loss. If you would like additional information, please click the link at the bottom or the page.

Keywords: annuities, annuity

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