ordering

The Truth About Annuities and Retirement Income (20 pages)

We offer pricing based on quantities ordered. Please go to our order information page to find the best way to serve you.

preview

A table of contents and selected sample pages can be viewed.

What’s New

The Truth About Annuities and Retirement Income

truth book This recently released publication describes the basics of the fixed income annuity—how fixed annuities minimize risk, offer reasonable returns, and most importantly, insure against longevity.

The fixed income annuity is a commonly misinterpreted asset. The virtue of the fixed income annuity is in its ability to provide ‘known’ income for the remainder of retirement years. With traditional corporate pension benefits on the wane and Social Security unable to completely fill the gaps, fixed income annuities assist in making a retirement portfolio longevity insured. Longevity risk, the risk of outliving one’s assets in retirement, is a real and potentially growing problem in America with the first wave of Baby Boomer retirees coming.

But the majority of Americans are still not fully aware of today’s annuities—with their greater flexibility and value to retirees.

A few key ideas follow:

• Fixed income annuities are not “investments,” and one cannot lose principal due to market declines.

• Fixed income annuities are a safe asset class.

• Annuities have liquidity options, and new product innovations continue to offer greater flexibility.

• A fixed income annuity can complement a retirement portfolio (of investments and savings) in a way which slows down the complete burnout of a portfolio owing to longer years in retirement. Simple scenarios illustrate how this burnout occurs, and how it can be altered.

Author Jennifer Warren utilizes her 15-year background in economic and policy analysis alongside the most credible information available. The RSI combines its work and analysis with top academic researchers’ findings in the field of risk management and individual finance decisions. For more information about Jennifer Warren visit www.conceptelemental.com.