We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!

wscdsdc

media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us

855.ask.wink

Close [x]
pattern

Industry News

Categories

  • Industry Articles (17,444)
  • Industry Conferences (3)
  • Industry Job Openings (3)
  • Moore on the Market (189)
  • Negative Media (139)
  • Positive Media (73)
  • Sheryl's Articles (648)
  • Wink's Articles (257)
  • Wink's Inside Story (230)
  • Wink's Press Releases (97)
  • Blog Archives

  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • August 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • November 2008
  • May 2008
  • February 2008
  • August 2006
  • Retirement Investing With Annuities–How Consumers Find More Security For Their Retirement Income And Expenses

    April 6, 2011 by Randell Jenkins

    04/06/2011

    By Randell Jenkins

    Retirement investing options through annuities have been one of the ways which consumers have found more security when it comes to investing in a way that will allow them to avoid outliving their income, but there are different options for investing in an annuity which individuals must consider for their particular retirement goals. Understandably, men and women are looking for ways to establish a secure income after they have retired and also one that will allow them to meet any expenses which may arise, like medical costs, and for this reason annuities may be worth exploring.

    While annuities are not the sole investment that some consumers use, as many men and women will diversify their retirement portfolio with options like IRAs, their 401(k) plan, and annuities as well, but some advisors feel that consumers should at least explore options for investing in an annuity due to the fact that it can be helpful when it comes to finding a stable income later in life. In some cases as well, annuities can be sizable in their payouts, but this will depend on the amount an individual invests, their age, and the type of annuity they choose. However, an article on Kiplinger.com stated that, “Part of the reason for the bigger annuity payout is that each distribution consists of interest as well as a return of principal. But the real secret behind the beefed-up annuity checks is that you pool your risk with other policyholders.”

     

    Yet, consumers will have to choose from either a deferred annuity or immediate annuity, if they feel this type of retirement investing account can be beneficial for their particular situation. When it comes to an immediate annuity, investors will receive payments soon after they have invested an initial sum of money, but a deferred annuity will grow and be paid out at a later time. There are some advisors who feel that an immediate annuity is more beneficial for someone who may be retired and, as an example, they have recently sold a home or have a large amount of money which they want to invest into this particular type of retirement fund, while deferred annuities may obviously be more helpful for someone who might be a few years away from retiring.

    Also, there are some advisors who also feel that individuals who are considering putting money into an annuity should only do so after they have maxed out other retirement investment vehicles like a Roth IRA or 401(k) plan, as again, the more diverse a portfolio happens to be, the higher the likelihood that an investor will have a greater amount of security during their later years. However, when looking at annuities, there are usually fees that may be associated with withdrawal’s and if an investor takes money out of an annuity before seven years has passed, they will usually be charged a set percentage of their investment, which can be substantial depending on the size of a particular individual’s annuity.

    While considering this form of retirement investment is one option that may allow more consumers to spread out investment opportunities after they have left their job, investors must not only look at the types of annuities that may be available but also different agencies which may offer investors the option to plan for retirement through annuity investing, as there will obviously be different fees that may be associated in this area as well. However, when it comes to whether an immediate or deferred annuity is right for a particular investor, or whether annuities should even be considered at all, this will depend solely on an individual’s particular financial position, their ability to invest, age, and what they may need from a retirement account so that they can avoid financial distress later in life, but for men and women looking for more stability in their income during retirement, annuities may be one method that can be beneficial in that area.

    Originally Posted at Red, White, and Blue Press on April 6, 2011 by Randell Jenkins.

    Categories: Positive Media
    currency