Annuity Basics

What Is the Best Annuity?

The best annuity depends on your goals. If you’re looking for a pension-like monthly income stream for life, an income annuity is likely the best fit. If you’re looking for a CD-like guaranteed return for a set number of years, a fixed annuity is likely the best fit. If you’re looking for something that changes &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Annuity Basics

Who Should Not Buy an Annuity?

You should not buy an annuity if Social Security or pension benefits cover all of your regular expenses, you’re in below average health, or you are seeking high risk in your investments. Take our quiz here to decide if an annuity makes sense for you. If you’re interested in reading more, here are several articles &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Retirement Income

Should I Put My 401(k) into an Annuity?

Putting a portion of your 401(k) savings into an annuity makes sense if you’re looking to diversify your retirement savings and add a guaranteed piece to your portfolio. Your 401(k) is a basket of savings tied to market performance that does not protect you from the risk of living longer than expected (and needing an &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Annuity Basics

Should I Invest in an Annuity?

You should consider investing 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 assets, an &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Annuity Basics

Are Fixed Income Annuities a Good Investment?

Fixed income annuities are a good investment for those looking for guaranteed lifetime income in retirement. An income annuity is a lifetime income guarantee (typically paid monthly for the rest of your life) that you purchase from an insurance company as a way to reduce the risk that you run out of money in retirement. &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Annuity Basics

Are Fixed Annuities a Good Investment?

Fixed annuities are a good investment for those looking for a safe, tax-advantaged way to earn a guaranteed return on retirement savings needed in the near future (3 to 10 years). Fixed annuities operate very similarly to CDs. Both vehicles offer a safe way to save money, crediting higher interest rates than those available through &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Annuity Basics

Is an Annuity a Good Investment?

An annuity is a good investment for those looking for guaranteed income or guaranteed growth of their retirement savings that is safe from market volatility. An annuity is generally not a good investment for those who need near-term access to their money and is generally not a good investment for those looking for higher risk &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Annuity Basics

Should I Annuitize My Annuity?

In order to decide whether or not to annuitize your annuity, you need to be clear about your goals for the annuity and how you expect to use in the future. You also need to understand how your current annuity works, whether the income amount is guaranteed, and how much your benefit has earned in &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

Annuity Trends

July 2019: 10 Year Treasury Yields Drop Below 2%

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 &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>

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 &hellip; <a href="https://www.blueprintincome.com/resources/annuity-basics/9-things-you-need-to-know-about-annuity-issuers-financial-strength-ratings/">Continued</a>