Next Deferred Income Annuity offers simple and transparent way to begin building guaranteed income for retirement with as little as $100
The IRS QLAC limit for how much of your 401(k) or IRA you can convert into a Qualified Longevity Annuity Contract remains at $130,000 for 2019.
Not all annuity website are created equal. Do your homework.
I sat down with Matt Carey, annuity expert and CEO of Blueprint Income, to get his thoughts on the annuity market and hear what he and his team at Blueprint Income are doing to improve our retirements.
It continues to be a wild ride in the financial markets. You’d think that trade war fears and some soft recent macroeconomic data would push markets lower. But that’s not what has happened at all. The stock market had its best first half of the year in recent memory. And bond prices have risen to … <a href="https://www.blueprintincome.com/resources/annuity-trends/july-2019-10-year-treasury-yields-drop-below-2/">Continued</a>
In response to a decline in bond yields, many insurers reduced annuity rates this month, but top fixed annuity rates have held steady. Lincoln Financial increased longevity annuity rates, but all other carriers have reduced rates. Sentiment has shifted from believing the Federal Reserve would not change rates any time soon to conventional wisdom now … <a href="https://www.blueprintincome.com/resources/annuity-trends/july-2019-10-year-treasury-yields-drop-below-2/">Continued</a>
On June 19, Vanguard exited the income annuity business to focus on other priorities.
The market now predicts a 68% chance that rates will be cut in July, up from a 20% chance just a week ago.
Fixed annuities tend to follow movements in Treasury rates but move more slowly. The highest yielding fixed annuities are relatively more attractive, but be aware of counter-party credit risk.
Annuity rates have held steady this month. After several consecutive months of Treasury Bond declines, things leveled off in April.
We have recently identified parameters where certain indexed annuities with income riders generate more lifetime income than longevity annuities (a.k.a. deferred income annuities or DIAs).
We've expanded our real-time income annuity calculator to include Period Certain annuities. Unlike other income annuities, Period Certain annuities are not life contingent.
Next Deferred Income Annuity offers simple and transparent way to begin building guaranteed income for retirement with as little as $100
There were steep declines in longer-term Treasury yields in March, largely precipitated by the Fed’s comments that they were less likely than previously assumed to raise rates this year, next year, and even in 2021.
A summary of rate lock procedures for income annuities and fixed annuities.
Although top fixed annuity rates held steady in February, many insurers decreased their rates.
The Fed sent a strong signal last week that rates were less likely than previously thought to move up in the near-term. After the Fed’s meeting, Wall Street thought there was now only about a 10% chance of any rate increases this year.
The IRS QLAC limit for how much of your 401(k) or IRA you can convert into a Qualified Longevity Annuity Contract remains at $130,000 for 2019.
When it comes to the fountain of longevity, the question remains: to drink or not to drink? The net result? It may surprise you.
Research suggests that there is a relationship between parent and offspring longevity. Environmental factors play a role as well.
By transferring money out of your Traditional IRA and into a QLAC, you reduce the Traditional IRA balance subject to RMDs, deferring them until the QLAC income starts.
Not all annuity website are created equal. Do your homework.
Not all insurance agents are created equal. Be leery of those who think of your financial life as an opportunity to sell you something.
Should you hate annuities? Yes, some types. Others? No, not if you believe the federal government, trusted academics or Ken Fisher himself.
Instructions for how to purchase a Qualified Longevity Annuity Contract (QLAC) in a 401(k), 403(b), IRA or other plan.
You have a few options if you'd like to purchase a QLAC with a 401(k).
December and early January saw a precipitous drop in yields in the bond market, including in Treasuries. Coupled with a decline in November, this has caused many insurers to reduce annuity rates.
I sat down with Lauren Minches, FSA, an annuity actuary at Blueprint Income, to hear what she and her team at Blueprint Income are doing to improve annuities and our retirements.
I sat down with Nimish Shukla, CFA, retirement income expert and co-founder of Blueprint Income, to get learn about Blueprint Income's approach to helping clients with their retirement income.
I sat down with Matt Carey, annuity expert and CEO of Blueprint Income, to get his thoughts on the annuity market and hear what he and his team at Blueprint Income are doing to improve our retirements.
Ryan, age 35, bought a Personal Pension for a guarantee to balance his riskier 401(k) investments.
Planning for your retirement can be broken down into three primary objectives: liquidity, growth, and income. There are different financial products to use to meet each of those needs.
There are warning signs building that the 8-10% average market returns we’ve experienced over the last decade likely are not here to stay. The guaranteed 4%+ growth of most top-paying fixed annuities are starting to look more attractive.
A summary of the different options you have when your fixed annuity matures.
Easy and free access to the marketplace of simple, fixed annuities for consumers. The platform provides real-time fixed annuity rates from 25+ insurers, native digital application with automation-assisted suitability review and eSignature capabilities.
The answers to the most important questions for when buying a fixed annuity.
A fixed annuity provides a safe, tax-advantaged way to earn a good return on savings needed in the near future, similar to a CD. We’ve created this quick checklist so you can know if a fixed annuity is a good fit for you.
Fixed annuities have several financial benefits to help make retirement planning simpler, but also have some drawbacks. Find out what a fixed annuity has to offer before you purchase.
There are many features you can add to your fixed annuity so it best fits your needs. We’ve broken down the options you can select to customize your fixed annuity.
Annuity rates didn’t really budge in August. But given the declines in bond yields, that’s actually a good thing and means that annuity pricing might soon decline. If you’re thinking about making an annuity purchase before the end of the year, now is an attractive time to do it.
If one's goal is to avoid running out of money in retirement while leaving the largest possible legacy behind at death, then income annuities play a crucial role. In Blueprint Income's recent white paper, we demonstrate that portfolios made up of just stocks and annuities produce the best outcomes.
A recent study by the Insurance Retirement Institute (IRI) shows that baby boomers are not adequately prepared for retirement. Retirement income from an annuity can help baby boomers retire with the peace of mind that they will not outlive their retirement savings.
Preparing for retirement can be challenging but new technology is making it easier to prepare, plan and manage retirement. Using technology can lower fees, provide better education and access to new opportunities
A flattening yield curve (one where the difference between short-term and long-term Treasury yields is smaller than usual) suggests two annuity buying strategies. Either buy a fixed rate annuity now, and wait for rates to rise before buying an income annuity. Or, start buying income now but do so in small pieces over time.
Taxation has a large impact on your retirement preparedness. Developing a plan to handle the differing rules and regulations on various types of retirement income is an important step to effectively plan for retirement. This article provides an overview of taxation on retirement income and links to resources that will help you understand taxes in retirement and make the decisions that are right for you.
The majority of people who are offered a lump-sum buyout should keep their pension, but there are some situations where it is worthwhile to consider taking the lump-sum buyout and using a portion of it to purchase an annuity.
The habits that help us build our retirement nest-egg also prevent us from spending as much as we can in retirement. Annuities can help solve this challenge of underconsumption in retirement.
The Retirement Enhancement and Savings Act of 2018 (RESA) may finally encourage retirement plan sponsors to add annuities to their 401(k) plans. Certain provisions may promote retirement savings by encouraging annuitizations among plan participants.
Annuity adoption is less than would be expected in traditional economic models, as economists have shown that purchasing an annuity can lead to higher retirement income than a self-managed portfolio. Reframing annuities as a mechanism to improve consumption in retirement can improve utilization of annuity products.
The Personal Pension, which is an annuity account that you fund over time through small monthly contributions, addresses many of the behavioral economic causes of the annuity puzzle.
Bonds and annuities have unique features that make them important components of your retirement portfolio. Understanding the role each plays in preparing for retirement can help you optimize the conservative, or safe, portion of your portfolio.
Inflation risk in retirement captures the possibility that the prices of goods will increase beyond what your retirement income and savings can handle. Annuities do not do a good job protecting you from that risk, and instead are built to protect you from the other two big risks: market risk and longevity risk.
For many pensioners, corporate pension de-risking and risk transfers may have a minimal impact on their lives and could ultimately promote their retirement security. Read on to understand these transactions better.
The Federal Reserve recently raised short term interest rates by 0.25%, but how does this impact annuity payouts? Learn what factors, in addition to changes in interest rates, can affect your annuity payout.
The rise of the 401(k) and the corresponding decline of defined benefit pension plans upended the three-legged stool model for retirement savings, leading to retirement insecurity. Blueprint Income is working to restore the broken leg of the stool: pensions.
Stacking Benjamins recently hosted Blueprint Income's Lauren Minches on their podcast to discuss retirement savings and the Personal Pension.
American National, founded in 1905, is one of the annuity providers on Blueprint Income's platform.
Symetra, founded in 1957, is one of the annuity providers on Blueprint Income's platform.
AIG, founded in 1919, is one of the annuity providers on Blueprint Income's platform.
Penn Mutual, founded in 1847, is one of the annuity providers on Blueprint Income's platform.
Western & Southern (Integrity), founded in 1888, is one of the annuity providers on Blueprint Income's platform.
We entrust our long-term retirement security with companies and organizations who we hope will be around when we retire. What happens in the rare instances when they fail? This guide provides an explanation of forms of government-aided insurance and consumer backstops that protect your retirement nest-egg.
An annuity is a lifetime income guarantee that you purchase from an insurance company, who is overseen by state-based guaranty funds that insurers your annuity purchases. In this article, we discuss this important protection, as well as provide some helpful resources that you should be aware of.