Annuity Library

If you have wondered if fixed annuity income riders are something you should include with your fixed deferred annuities, you may be interested in some statistics. The National Association for Fixed Annuities has determined that more than half of those who purchase fixed deferred annuities also include an income rider. Obviously, more than half of the people who invest in fixed annuities also feel that there are added benefits with income riders.

With the seeming unsteadiness of today's global economy, wise planning for retirement has become more important than ever. Many people are increasing their efforts to pay off their mortgages and other debts and are putting their money into fixed annuity income riders. This type of investment plan has picked up momentum in the last few years as people are looking for safer methods to protect their money and make sure that they have enough to last them through their retirement.

The chances are that you are already starting to think about your retirement and if you have not begun to do so, you should. Many people have the false belief that Social Security will be enough but, in reality, this is not true. This is why a lot of people are starting to turn to fixed annuity income riders and it is a good idea to take a look at this option when looking for a retirement plan.

When you are planning for retirement, there are many questions and many things that you do not know about what the future will bring. There are also many things that you can do to plan for the unknown to make you feel more prepared for life after work, and one of those things is considering fixed annuity income riders.

In order to increase the amount of money you would have available at retirement, you may have invested in a fixed annuity in order to keep your principal secure and to have a fixed rate of interest growing until you are ready to retire. However, for additional security and guaranteed lifetime income, the addition of fixed annuity income riders is recommended. In fact, income riders have become extremely popular for addition to fixed annuities.

With all the volatility in the stock market these days, you may be looking for some new opportunities that will ensure you have a stable income after you retire. If that is the case, you should know what fixed index annuities are, why they may be a good investment for you, and also some of the differences between this and other types of retirement investments.

When putting together the best financial portfolio for your retirement there are many things to consider. There are many products to choose from which can make it difficult to decide which will be the best for your situation. You know there is a risk involved with any investments, but you would like to find things that are relatively safe and offer some degree of potential return. With fixed index annuities you will have the potential for a return based on one of the many indexes without the worry of losing any of the principal.

An annuity is a contract you make with an insurance company. With fixed index annuities (also called equity index annuities) the interest you will earn is tied to an index such as the S&P500, NASDAQ, or Dow. You will choose which index you want your money to be associated. Your money will never actually be put into any securities; the index will only be used to determine how much of a return you will get on your fixed index annuities.

Your retirement investment portfolio should not be invested in just one stock, one annuity, or just one of anything. You want your portfolio diversified so that there is a balance between your investments. The idea being if one part of your portfolio is not performing particularly well, another part will be. Fixed index annuities can be an important part of your investment portfolio.

Are you a potential investor looking for a great way to save for retirement? There are a lot of options in the investment world for retirement savings, so it can be very difficult to choose a plan that is right for you. It does not help that the stock market is so volatile and that your financial needs can change at a moment’s notice. You never know when your life situation will change, and you can’t always trust the stock market with your money.