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With interest rates near two-decade highs, guaranteed income is looking attractive again. Here are 4 ways to play the rate spike.
Annuities tend to generate strong opinions. Some people insist they're terrible. Others talk about them as though every retiree should own one. Jeremy Keil and Jeremiah Konger of Annuity Association a...
Your annuity shouldn't be left to gather dust. Regular reviews and comparisons with newer products will help make sure it's still the best option for you.
I am 57, and plan to work another 10 years or so. I've got a long history of managing my own portfolio but lately I've been shopping around for an advisor. One I talked to recently suggested I add a f...
Spouses who collect substantial Social Security benefits may see a significant drop in income when one dies. These annuities can help make up for the loss.
When inheriting an annuity, a beneficiary who isn't a spouse can face a big tax bill. Choosing annuitization or the "stretch" option lets you soften the blow.
U.S. annuity sales hit $464 billion in 2025 and are still climbing in 2026. Here’s what’s driving the surge. The post Annuity Sales Hit a Record High in 2026. Is One Right for You? appeared first on B...
Annuities can help you feel confident to enjoy a financially secure, healthy, and happy retirement.
If you hold money in a non-qualified annuity, the IRS will eventually come calling for its share of any gains. It pays to explore tax efficiency ahead of time.
Multi-year guarantee annuities can outperform bonds and bank CDs — but before you buy, here's how they work.
If you wrote off annuities in the past, you might be surprised to learn that higher interest rates and major product improvements have made them more effective
An all-star team of retirement experts explains why life annuities are so valuable for older adults, yet so disliked by consumers. And they suggest what to do about it.
The financial professionals who contribute to Kiplinger's Adviser Intel regularly write about annuities.
Annuities have costs and limitations, but also serve a real purpose for some investors. Before dismissing them as a retirement option, find out how they work.
Here are the key things to understand before purchasing an annuity for retirement.
Annuity sales are soaring, because retirees and pre-retirees want more guaranteed income and principal protection.
An immediate annuity transforms a lump sum into a lifelong paycheck, essentially providing a DIY pension so you can stop stressing over stock market drama.
June in Washington State is 62 with $2.5 million saved and a $350,000 pension on the table. Should she take the lump sum or the monthly check for life? Spoiler alert: there's a 3-to-1 vote in the stud...
These are the best annuity providers chosen by Kiplinger readers.
Along with CDs, fixed-rate annuities often pay more than money market funds and savings accounts. If you’re nervous about them, here’s one way to test the water.
Football can teach retirement investors a lot about managing risk. And if predictions of a markets slump are accurate, one strategy will be particularly useful.
Annuities bought years ago may no longer reflect clients' needs or the economy. Conducting thorough reviews will optimize their finances and grow your business.
Increasing longevity means you could outlive the money you've saved for retirement. Social Security may not bridge the gap, but an income annuity could help.
An annuity is basically you telling your money: “Stop wandering around and pay me like rent every month.” And your money says, “Okay, fine,” and does it. ? The Three Types (Explained Like Family Membe...
Combining a QLAC with a HECM can help mass affluent retirees secure guaranteed lifetime income, tax advantages and liquid savings to cover late-in-life expenses.
Different types offer different levels of potential risk. Here's how to choose wisely, from an annuities pro.
Taking Social Security later results in higher future income, but that can create an income gap. Annuities can boost income until you file for benefits.
Annuities promise guaranteed lifetime income—so why do Canadians avoid them? We unpack the “annuity puzzle” and when they may actually make sense. The post Unlocking the Annuity Puzzle: Why Canadians ...
Gross sales (excluding exchanges and surrenders) of annuities reached $117 billion in the third-quarter of 2025, according to fresh survey data from Winkintel. Prominent sellers included Athene, Equit...
? Show Notes In this episode, Roger Whitney dives into the essentials of required minimum distributions, explaining the age thresholds, how the amounts are calculated using IRS life expectancy tables,...
FROM THE ARTICLE. Are Workers Warming Up to In-Plan Annuities? Surveys show growing interest in 401(k) plans with a guaranteed-income option. By Maya Dollarhide and Tamara E. Holmes, AARP. Published O...
I attended a (retirement-related) presentation last night about Fixed Index Annuities (FIAs) and though I vowed never to touch an Annuity—because, you know, Social Security is an annuity—I...
The financial professionals who contribute to Kiplinger's Adviser Intel recently wrote about myths about annuities, Boomers' retirement reality check and OBBB changes to federal student loans....
Annuities can offer financial stability that can be quite freeing for retirees. Don't let a few myths spoil what might be a good thing for you....
To qualify for a new tax break included in the One Big Beautiful Bill Act, some older adults need to lower their taxable income. Annuities can make that happen....
What is better than an annuity for retirement? Explore smarter investment and income strategies to grow and protect your wealth. The post What Is Better Than an Annuity for Retirement: Smarter Options...
You should never be rushed into buying an annuity. But now that they can be sold quickly and easily online, you need to be more alert than ever to pushy salesmanship. Here are four signs you're workin...
Guaranteed lifetime income sounds great, but how much will it be? Several factors determine your future payout on indexed annuities with an income rider....
Here's a detailed look at income annuities and the factors that determine your payout now and in the future....
Find out if longevity annuities can alleviate your biggest retirement anxieties. Can they offer you the peace of mind you seek? The post Longevity Annuities: One Way to Insure Your Worst Fears Don&rsq...
Side products no more, life insurance and annuities can make financial longevity possible for clients at all AUM levels....
A new TIAA Institute survey found that a vast majority of 401(k) plan participants are interested in accessing fixed annuities through their retirement accounts. Plan providers are listening....
Annuities can offer retirement income stability and security against market volatility, though some do have drawbacks. The key is to understand their features before buying....
Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Bi...
Economic security — through annuities — is good for retirees' emotional and physical health....
Greetings. I turned 55 this month and hope to retire in 4 and a half years. My wife and I want to retire in Italy at some point. My tentative plan is to convert my 401k at retirement to a joint life a...
Pulling money out of an annuity early can be a costly proposition. Here's how surrender charges work and one potential way around them — an annuity "ladder."...
In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which annuity providers came out on top....
Annuity sales top $100 billion in the first quarter....
The new annuity solution draws on the performance of underlying Dimensional ETFs...