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The least known annuity, of the three main types is the index annuity. Indexed annuities provide more security than playing individual stocks, while providing you with the opportunity to earn more return than on straight fixed annuities. Indexed annuities are often used by those that either are still actively growing wealth for retirement, or for those that are confident that the index will increase, but donít want to gamble with individual stocks. Read more about index annuities here: http://www.annuityquotenow.com/AboutAnnuities.html
When sifting through the large amount of information on annuities, itís tough to know how to proceed. We help you compare annuities with our free annuity insurance rates report. Compare the latest offers from many of the largest and most reputable annuities insurance companies. Our reports are customized to your needs based on your age (deferred annuity versus immediate), amount to invest, investment goals, and geography. Get your free retirement annuity insurance report now, at http://www.annuityquotenow.com/FreeQuote.html
AnnuityQuoteNow.com was created to provide investors with the latest information on annuities insurance, which can be an intelligent part of a safe retirement investment strategy. They give investors numerous options, potential returns, and risks Ė from very safe, to just as risky as any stock market decision (itís up to the investor). Annuities can be like CDís or other safe investment instruments, offering you a guaranteed rate of return for a set period of time, or for the rest of your life. This rate of return, on what is known as a fixed annuity, is currently as high as 8% from some brand name insurance firms. Compared with CDís, Government Bonds, or other safe investments in this economy, it can be a great opportunity.
Fixed annuities like this are known as safe because they guarantee their return. This guarantee is offered both by the issuing company, and in the case of issuer bankruptcy, most states offer protection on the principal you invest on a retirement annuity, usually up to $100-500k.
If you want more freedom with which to invest your money, you can choose a variable or index annuity. A variable allows you to invest in stocks, bonds, mutual funds, or any other options that would normally be at your disposal. Of course, with investments of this sort, the return and risk is up to you. In between the two, is the index annuity. The index annuity places your money into a stock market index, usually the S & P 500. This allows you to potentially gain the higher return that historically the stock market gets, however, it usually also has a safer fixed component to protect some of your principal, and presuming the stock market will never hit zero (we hope!) it provides you with far less risk than investing in individual stocks.
Usually the type of retirement annuity people choose depends on where they are in life. If you are in the accumulation of wealth stage, meaning you want or need to make more money before you retire, you are more likely to invest in a variable or index annuity. If you are already retired, or have accumulated the majority of the wealth you will need for the rest of your life, you are more likely to stick with the security that fixed annuities allow.
Regardless of the type, the main reason why people choose annuities insurance is because of the tax benefits. They allow you to hold off on paying tax, until a withdrawal is actually made. Other than a 401k or IRA, annuities provide one of the few opportunities to invest money tax deferred. The benefits of tax deferring money can be massive over time.
One issue we warn for at this website is despite what your agent may say, annuities are not right for everyone. Donít let anyone tell you differently. The investment that is right for you depends on many factors, including your current and potentially future financial and family situation. We aim to only provide you with the most honest information, we can. And to do so, we make efforts to ensure that our agents have your best interests at heart. P Investments can be important decisions; therefore we always suggest properly weighing your options.
We aim to provide investors with accurate information, giving them all the knowledge they need to give the right decision. To get all you can out of the service, you can search AnnuityQuoteNow.com for an overview of the annuities insurance options at your disposal, or fill in the form to receive, a phone one-on-one, no obligation consult with a professional who can answer all of your questions, and provide you with the best quotes from the most reputable companies.