Annuity

RECENT NEWS
Motley Fool  Dec 29  Comment 
Why buy a retirement annuity? Because it's good for retirement. It can deliver regular income that can fund a more comfortable future. Here's some help zeroing in on the best annuities.
Motley Fool  Dec 28  Comment 
You can essentially buy yourself a pension with an annuity -- setting up a dependable income stream for your retirement. Here are some smart annuity moves.
Motley Fool  Dec 21  Comment 
Annuity income isn't 100% guaranteed, but it's still pretty safe -- if you go about buying yours sensibly. Here are some valuable tips.
Motley Fool  Dec 19  Comment 
An annuity can give you more financial security in retirement, offering reliable income -- perhaps for the rest of your life. Here are some tips that can help you avoid costly mistakes when annuity shopping.
CNNMoney.com  Dec 14  Comment 
I'm retired and have about 40% of my nest egg in stocks and 60% in bonds. I'm wary of the stock market, so I'm considering moving part of my savings into an annuity. Do you think that's a good idea? --A.G.
Motley Fool  Dec 10  Comment 
Before you buy an annuity, make sure you really understand how it works.
Forbes  Dec 9  Comment 
On Friday, Athene listed its shares on the New York Stock Exchange, raising $1.1. billion at a $7.4 billion valuation and setting the stage for a growth spurt that should fuel Apollo’s bottom line for years to come.
Reuters  Dec 9  Comment 
Shares of Athene Holding Ltd jumped as much as 9.2 percent in their debut on Friday, valuing the fixed annuity service provider at about $8.25 billion in the year's largest financial IPO.
Reuters  Dec 9  Comment 
Fixed annuity service provider Athene Holding Ltd said its initial public offering of 27 million class A shares raised $1.1 billion after the offering was priced in the mid-point of its expected...




 
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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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