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A high interest annuity might be the right choice for you. With guaranteed interest rates that do not bounce up and down with the stock market, you can be sure that your retirement savings will remain safe regardless of economic turmoil.

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What is an annuity? How do annuities work?

In an annuity, the annuitant (you) sends money to an insurance company in exchange for an income stream at a later time. In some cases, such as an immediate annuity, the annuitant contributes a single sum of money, and the insurance company returns this money to the annuitant over a specific payout schedule along with accrued interest. In other cases, such as a deferred annuity, the annuitant contributes to the annuity during the ‘accumulation phase’, and then chooses at a later time – typically years later – to begin receiving regular payments from the annuity.

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Annuities vs. Savings Bonds

Annuities and savings bonds can both be used to save money. However, an annuity is a much better investment vehicle for retirement than a savings bond. Annuities also have much higher interest rates than savings bonds. Learn more about the positives and negatives of both of these products.

How are annuity companies regulated?

Purchasing an annuity doesn’t have to be a nerve-racking experience. The truth is that there are regulating bodies in charge of annuities, and many of them may even help you screen the companies you’re looking to purchase an annuity from.

Where are your annuity funds invested?

Insurance companies need to invest your money in a profitable place so that they are able to gain interest on the money and, in turn, offer you a reasonable rate of return on your annuity. Find out the secrets of where this money goes!

Annuities vs CDs: The Pros and Cons

Annuities - particularly fixed interest annuities - are similar to certificates of deposits, or CDs, in a variety of ways. However, there are differences between these two investment products, too. Deciding on whether to purchase an annuity or a CD can be a big decision as both products typically put a lock on your money for a specified period of time. Fixed interest annuities are just one type of annuity. Generally, an annuity can have either fixed or variable interest. With a fixed interest...

Leaving the bull market and entering the bear market

With the sudden and dramatic drop in the stock market, both in the United States and worldwide, you may have heard about bear markets and bull markets. Financial experts and others who follow the markets have stated that we are now entering into a bear market. However, you may be wondering, what is the definition of a bear market and a bull market, and where are we now? A bull market is one where the stock markets and the economy are on the rise typically due to a strong economy and low...