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Posts Tagged ‘Indexed’

allianz ins. co. of no.america offers indexed annunities. what is the fee structure for these?

13 May

I am interested in the fee structure for the masterdex 10 annunity

 
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do you think indexed annuties are ok for retirees?

24 Mar
 
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Are indexed annuties safe ( American Equity Investment Life Insurance)?

21 Mar
 
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Is an indexed annuity a good safe investment?

02 Mar
 
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I have a 10 yr. averaging annual reset equity indexed annuity , started in 2003 . can i withdraw this money wi?

23 Feb
 
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Other than early surrender, is it possible to loose money on “equity indexed annuity”?

21 Feb
 
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How good is the ING Equity Indexed annuity?

19 Feb
 
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How good is a universal indexed life insurance policy as an investment vehicle compared to bonds or annuities?

19 Feb
 
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Is an indexed annuity a good way to save?

19 Feb
 
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Seeking opinions from anyone with indexed annuity?

19 Feb

are there major drawbacks?

 
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What’s the downside to indexed annuities?

19 Feb

Claim is that an annuity indexed to the S&P has averaged 9.1% yearly. And can never go negative even when the Market crashes. Too good to be true?

 
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Indexed annuities?

19 Feb

They usually dont have any fees (annual or funds) attached to them like VAs do. And they dont have the downside risk since they are not actual funds. Granted they dont have the diversity that a VA with 15 different funds has, but for a basic need for someone who is afraid of the market to begin with, it sound pretty good. Your thoughts?

 
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Why do equity indexed annuities get a bad rap?

19 Feb

When one will likely earn long-term gains comparable to the market without any risk of loss, what else could be better in today’s environment?
Net Advisor confuses attributes of EIAs with those of variable annuities. The only potential for loss of principle or previous gains is an insurer’s insolvency. Insurance companies have, and can, go under, but no insurance or annuity policyholder has EVER lost value due to a company failure (anyone with Net’s alleged experience knows why). Other than this virtual impossibility, there is no way to lose value in any fixed annuity.
High fees: Guarantees and illustrations are presented net of fees. The numbers are completely transparent. Commissions aren’t high for a one-time, versus transaction fees in most investments.
Free lunch: The companies credit in such a way as to minimize their risk. Over the last decade, however, many EIAs indexed to the S&P actually outperformed that index for three reasons:
1. They offered a bonus on initial deposit.
2. In years when the S&P lost value, the annuities indexed to it didn’t; they earned 0.
3. Gains credited can’t be lost in future downturns.

 
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Why not fund social security by using a portion of the ‘trust fund’ each year to purchase Indexed Annuities?

19 Feb

Indexed Annuities are fixed and so would offer a guarantee of principle, while allowing for risk-free gains linked to stock indexes

 
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what are you thoughts on equity indexed annuities?

19 Feb

They usually dont have any fees (annual or funds) attached to them like VAs do. And they dont have the downside risk since they are not actual funds. Granted they dont have the diversity that a VA with 15 different funds has, but for a basic need for someone who is afraid of the market to begin with, it sound pretty good. Your thoughts?

 
5 Comments

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