The Hindu Business Line  Jul 13  Comment 
Introduced by NHAI, the net equity injection by the developer is minimised in such projects
Motley Fool  Jul 13  Comment 
Few of us have pensions these days, but with an immediate annuity, you can build your own dependable, pension-like retirement income.
Motley Fool  Jun 20  Comment 
An annuity is a somewhat controversial method for producing retirement income.  Jun 14  Comment 
Is an annuity is a good way for seniors to increase their income in retirement?--S.N.
Financial Times  Jun 1  Comment 
Sick retirees at risk of selecting unsuitable products, insurers warn  Apr 26  Comment 
I'm retired and thinking of buying an annuity to add to my monthly income, but I'm not sure which type of annuity might be right for me. Any suggestions? --Elaine
MarketWatch  Apr 26  Comment 
Why the ‘lottery effect’ can hurt your retirement, and what you can do about it.
Clusterstock  Apr 21  Comment 
With more than 30 years of experience in the financial industry, Ric Edelman has heard and seen it all, and there's one topic he's sick of: annuities. "Annuity products are a very common sales pitch because they generate big commissions for the...


A financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. Annuities are primarily used as a means of securing a steady cash flow for an individual during their retirement years.

Annuities can be structured according to a wide array of details and factors, such as the duration of time that payments from the annuity can be guaranteed to continue. Annuities can be created so that, upon annuitization, payments will continue so long as either the annuitant or their spouse is alive. Alternatively, annuities can be structured to pay out funds for a fixed amount of time, such as 20 years, regardless of how long the annuitant lives.

Annuities can be structured to provide fixed periodic payments to the annuitant or variable payments. The intent of variable annuities is to allow the annuitant to receive greater payments if investments of the annuity fund do well and smaller payments if its investments do poorly. This provides for a less stable cash flow than a fixed annuity, but allows the annuitant to reap the benefits of strong returns from their fund's investments.

The different ways in which annuities can be structured provide individuals seeking annuities the flexibility to construct an annuity contract that will best meet their needs.

All annuities have a free look period, a death benefit, guarantees, and annuitization options. Most have surrender periods.

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