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Article
14
May 08

Immediate Annuities Can Be a Useful Tool

By Scott Burns Q. I wonder if single-premium immediate annuities (SPIAs) are for me. I am 75. My wife is 73. We have no debt, $850,000 in IRAs (mostly in the American Fund family) and $150,000 in a ROTH, again with American. We also have $150,000 in CDs and money markets in taxable accounts. We live...

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Article
09
Nov 07

Magic in Finance, Part 3: Equity-Indexed Life Insurance

by Scott Burns Douglas R. Andrew has a new book out. "The Last Chance Millionaire: It's Not Too Late to Become Wealthy" was published in June. It is a continuation of the saga that began with "Missed Fortune" (2002) and "Missed Fortune 101" (2005). If his name sounds...

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Article
19
Jul 07

Variable Annuity Watch, 2007

For returns, they’re still not worth shooting. But there is an inkling of hope. The subject is variable annuities. Yes, it’s time for an update of my annual Variable Annuity Watch. This year the purchase of a simple broad index fund has again beaten a large majority of variable annuity sub-accounts....

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Article
03
Jun 07

Sales Commissions versus Reality

The most heavily marketed insurance product, the equity index annuity, is becoming the most litigated insurance product. Attorneys general in several states have filed suits against a number of EIA vendors. In addition, there are now four class action suits against Allianz Life, the most successful marketer...

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Article
02
May 07

It's Important to Know Your Tax Bracket

Q. We have three variable annuities that have matured. We have been advised to consolidate (total of $325,000) to one variable annuity. First, how can we get out of these annuities with minimum tax consequence? If we have to start a new annuity, should we consider Fidelity or Vanguard for lowest cost...

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Article
14
Apr 07

Equity-Indexed Annuities: Long on Sizzle, Short on Steak

Are equity-indexed annuities a good investment? That's one of the top five questions in my mail bag these days. Thousands of people attend free dinners and lunches every week to learn about the miracle investment that will give them near stock market returns without the trauma of market busts. The basic...

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Article
11
Apr 07

Don't Grieve Over Not Maxing-Out Plan Contributions

Q. I am a 49-year-old engineer working at a large consulting firm. Our company has a high percentage of highly compensated employees and has limited pre tax contributions to 9 percent of gross income. In my case, this is $4,000 short of the allowable annual pretax limit of $15,500. They include Roth...

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Article
07
Mar 07

A Tough Decision about a Variable Annuity

Q. We have an annuity with John Hancock. In the nearly seven years we have had it, we have received no dividends from it. It is divided into 47 percent T. Rowe Price Equity Income, 12 percent T. Rowe Price Blue Chip Growth, and two other funds. We contributed $72,888. It is now $72,648. The annuity has...

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Article
17
Jan 07

Annuities: Some Are Useful, Some Not.

Q. In a recent column you said that "one of the best ways to deal with uncertainty is to turn a portion of your portfolio into a life annuity." But in the next Q&A you said, as you often do, to run fast from annuities. Why the advice to buy in the first question and to run in the second question? --...

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Article
13
Dec 06

Take More From Your Nest Egg As You Age

Q: You have often cautioned against withdrawing more than 5 percent a year from retirement funds. Would you modify this rule of thumb for someone who retires later, such as age 75 or 80? In the case of required minimum distributions from IRAs, a person deferring retirement could take the RMD and invest...

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