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Reply to "Tell me about annuitys"
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[quote=Anonymous]Simple annuities are great for their purpose. Such investments are not meant to compete with stocks for big returns. Instead, you should view them as a bond alternative that provides a secure stream of income for a designated period or life. There are a lot of people with “just enough” funds to retire, but are scared sh*tless about the next market swoon. These people may be better off taking their bond allocation and making it an annuity while letting their stock portion continue to grow. Besides worry-free income, the annuity allows the investor to consume more early in retirement because they’re not worried about adverse market movements and benefit again if they live past the average mortality, which is used to price the annuity. Annuities see essentially government-secured because of their state insurance fund guarantee. If you compare current simple annuity rates to Treasuries, they’re competitive. [/quote]
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