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Annuity Trends

June 2019: Bond Yields and Annuity Rates Down Again

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/all-articles/">Continued</a>

Annuity Basics

Should I Put My Money in an Annuity?

You should consider putting your money in an annuity if you’re saving for retirement, consider yourself to be a moderate to conservative risk investor, and are interested in guaranteed income or growth. If, on the other hand, you’re looking to access funds for a near-term purchase, only want to invest in higher risk/higher return potential … <a href="https://www.blueprintincome.com/resources/all-articles/">Continued</a>

Annuity Trends

What’s Next For Annuity Rates?

What's happening in the market in July 2019.

Inside Blueprint Income

Vanguard Exits the Income Annuity Business

On June 19, Vanguard exited the income annuity business to focus on other priorities.

Annuity Trends

What’s Happening in the Market in June 2019

The market now predicts a 68% chance that rates will be cut in July, up from a 20% chance just a week ago.

Annuity Trends

Spreads Widen for Top Yielding Fixed Annuities Despite Trouble in Treasury Market

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 Trends

May 2019: What Will the Fed Do Next?

Annuity rates have held steady this month. After several consecutive months of Treasury Bond declines, things leveled off in April.

Retirement Income

Longevity Annuity vs. Indexed Annuity Income Analysis

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).

Retirement Income

Real-Time Period Certain Quotes Now Available on Blueprint Income

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.

Annuity Trends

April 2019: Bond Yields Decline And Annuity Rates (Mostly) Follow

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.