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You are here: Home / Archives for annuities

153 Plus: Evaluating Annuities, Directed Trades and Private Real Estate

April 15, 2017 by David Stein · Updated May 24, 2021

This week April 15, 2017 on Money For the Rest of Us Plus we help a member analyze whether it is better to take a lump sum payment or an annuity that a former employer is offering. We look at how major retail brokerage firms such as Schwab and Fidelity direct trades to market makers and whether that is a good thing or not. We analyze how an investor might adjust their publicly traded portfolio mix if they own rental real estate. Finally, we try to determine which precious metal is most … [Read more...]

Filed Under: Uncategorized Tagged With: annuities, asset allocation, brokerage firms, directed trades, gold, immediate annuities, income annuity, lump sum, lump-sum pension distribution, precious metals, private real estate

61: How Much Should You Spend In Retirement?

June 17, 2015 by David Stein · Updated June 10, 2022

Why your retirement spending rate should vary over time based on individual and market circumstances. Photo by J.D. Stein In this episode, you'll learn: What are the unknowns that make determining a retirement spending rate so difficult.What are some issues with the 4% retirement spending rule.What is Monte Carlo analysis and what are some of its potential flaws.What is sequence of return risk.Why is it better to start with a low equity allocation in the early years of retirement … [Read more...]

Filed Under: Podcast, Retirement Tagged With: annuities, retirement spending, sequence of returns risk

MNY032 Plus: More On Annuities

November 28, 2014 by David Stein · Updated May 24, 2021

In this week's Money For the Rest of Us Plus episode, I discuss: The difference between variable annuities, fixed annuities, index annuities, deferred income annuities and immediate annuities. Which annuities take advantage of the unique capacities of insurance companies and which don't and why it matters. Insurance companies are not investment geniuses so we should be wary when that is what they are selling. The episode length is 13 minutes. … [Read more...]

Filed Under: Money Plus Tagged With: annuities, fixed annuities, immediate annuities, variable annuities

32: Die Broke

November 26, 2014 by David Stein · Updated May 27, 2021

How to deplete most of your assets before you die by using single premium immediate annuities. Photo by Christian In this episode, you'll learn: What are individuals top financial worry.How wealthy are pre-retirees.What are the traditional three-legs of retirement income.A way to create your own pension plan without having to rely on market returns.How do single premium immediate annuities work and how are they priced.What happens if an annuity provider goes bankrupt. Show … [Read more...]

Filed Under: Podcast, Retirement Tagged With: annuities, immediate annuities, retirement investing, retirement spending

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