Annuities for Dummies:
Saved in:
| Main Author: | |
|---|---|
| Format: | Electronic eBook |
| Language: | English |
| Published: |
Newark
John Wiley & Sons, Incorporated
2023
|
| Edition: | 2nd ed |
| Subjects: | |
| Online Access: | HWR01 |
| Item Description: | Description based on publisher supplied metadata and other sources |
| Physical Description: | 1 Online-Ressource (371 Seiten) |
| ISBN: | 9781394168590 |
Staff View
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| 505 | 8 | |a Intro -- Title Page -- Copyright Page -- Table of Contents -- Introduction -- About This Book -- Foolish Assumptions -- Icons Used in This Book -- Beyond the Book -- Where to Go from Here -- Part 1 Making Sense of Annuities -- Chapter 1 The ABCs of Annuities -- Getting Acquainted with Annuities -- Part investment, part insurance -- Deferring taxes -- Recognizing the Most Popular Annuities -- "Savings account" annuities -- Pension-like annuities -- Options-based fixed indexed annuities -- Registered index-linked annuities -- Traditional variable annuities -- Deferred income annuities -- Age-in-place annuities (also known as reverse mortgages) -- Reasons for Exploring Annuities -- The Life Cycle of All Annuities -- The purchase stage -- The accumulation stage -- The income or distribution stage -- Chapter 2 Taming the Big Retirement Risks -- Countering the Main Risks of Retirement -- Longevity-related risks -- The risk of outliving your savings -- The risk of losing a spouse -- Health risk -- Long-term-care risk -- Investment risks -- Market risk -- Sequence-of-returns risk -- Inflation risk -- Tax risk -- Policy risk -- Planning risks -- Having no income plan at all -- Overspending -- Hoarding -- Helping out family members -- Facing a decline in cognitive ability -- Using Annuities to Buffer Retirement Risks -- Annuities for longevity risks -- Annuities for investment risks -- Annuities for planning risks -- Chapter 3 Diving into Annuity Documents -- Exploring the Annuity Application and Contract -- Signing an annuity contract -- Designating the key players -- The owner -- The annuitant -- The beneficiaries -- The issuer -- Other standard elements of annuity contracts -- Free-look periods -- Death benefits -- Surrender periods -- Single versus flexible premium -- Qualified versus nonqualified -- Annuitization options -- New or replacement annuity | |
| 505 | 8 | |a Distinguishing between Variable, Fixed, and Fixed Indexed Annuity Contracts -- Variable annuity contracts -- Fixed annuity contracts -- Fixed indexed annuity contracts -- Ensuring Suitability and "Best Interest" -- Chapter 4 Weighing Annuity Pros and Cons -- Evaluating Annuity Advantages -- Punting income taxes to the future -- Contributing as much as you want -- Reducing investment risk -- Protecting beneficiaries -- Assuring income in retirement -- Capturing "survivorship credits" -- Obtaining peace of mind -- Replacing your old paycheck -- Confronting Annuity Drawbacks -- Duplicating Social Security -- Higher expenses than mutual funds -- Reduced liquidity -- Annuity earnings are taxed as ordinary income -- Low transparency, high complexity in some cases -- Adverse selection -- Comparing Annuities with Their Competition -- Deferred fixed annuities versus CDs -- Deferred variable annuities versus mutual funds -- Income annuities versus systematic withdrawals -- Chapter 5 Deciding Whether an Annuity Is Right for You -- Identifying Candidates for Annuities -- Boomer couples with 401(k) or 403(b) accounts -- Women -- The middle class and the affluent -- Retirees who don't have a defined benefit pension plan -- People with rugged genes -- Market bears and other pessimists -- Neither the very young nor the extremely old -- People who want to turn a tax bite into bite-size pieces -- Those seeking less-expensive long-term-care insurance -- People without beneficiaries -- Part 2 Identifying the Major Annuities -- Chapter 6 Earning Interest with Fixed Annuities -- Understanding How Fixed Annuities Work -- What's fixed about a fixed annuity? -- Protection from two kinds of risks -- Examining the Main Types of Fixed Annuities -- Single-year guarantee fixed annuities -- Multiyear guaranteed annuities -- Weighing the Pros and Cons of Fixed Annuities | |
| 505 | 8 | |a Buying a Fixed Annuity -- Chapter 7 Creating Retirement Paychecks with Income Annuities -- Understanding Income Annuities -- Customizing Your Income Annuity -- Deciding who will receive income -- Deciding how long payments will last -- Accessing your money after you buy the contract -- Deciding whether to add an inflation-protection rider -- Deciding whether to add a cash refund or installment refund -- Deciding when to buy your annuity -- Buying and Paying for an Income Annuity -- Deciding how to pay for your annuity -- After-tax money -- Pretax money -- Comparing an income annuity to a variable annuity with a guaranteed lifetime withdrawal benefit -- Choosing fixed or variable income payments -- Comparing quotes -- Catching Up on Single Premium Immediate Annuity Innovations -- Medically underwritten income annuities -- Easing into retirement with a bridge annuity -- Accelerating your income payments -- Dividend-paying "mutual" income annuities -- Income annuities that let you take all your money out -- Medicaid-compliant or restricted annuities -- Chapter 8 Gambling on Fixed Indexed Annuities -- Defining Fixed Indexed Annuities -- Searching for the Right Fixed Indexed Annuity -- Step 1: Finding an FIA-savvy agent -- Step 2: Finding a strong life insurer -- Step 3: Choosing and customizing an FIA -- Choosing a term length -- Setting a reset interval -- Choosing a market index -- Volatility-controlled indexes -- Choosing a crediting formula -- Other choices and decisions -- Lifetime income riders -- Bonuses -- Enhanced performance ("strategy") fees -- Surrender charges and market-value adjustments -- Tracking Index Annuity Performance -- Weighing the Pros and Cons of Fixed Indexed Annuities -- Chapter 9 Aiming Higher with Registered Index-Linked Annuities -- Understanding Registered Index-Linked Annuities | |
| 505 | 8 | |a Customizing Your Registered Index-Linked Annuity -- Choosing terms or segments -- Choosing indexes -- Choosing buffers and floors -- Adding a lifetime income guarantee -- Choosing which "cap" to wear -- Seeing How RILAs Work -- Finding Out Who Buys or Sells Registered Index-Linked Annuities -- Regulating RILAs -- SEC -- FINRA -- State insurance commissioners -- Considering Recent RILA-like Savings Products -- Chapter 10 Tapping Variable Annuities for Tax Breaks and Income -- Understanding Variable Annuities -- Investment-Only Variable Annuities -- Variable Annuities with Income Riders -- How best to use a variable annuity with a guaranteed lifetime withdrawal benefit -- What to do with old variable annuities with guaranteed lifetime withdrawal benefits -- Lifetime income versus annuitization -- Weighing the Pros and Cons of Variable Annuities -- The pros -- The cons -- Chapter 11 Aging Gracefully with Deferred Income Annuities and Qualified Longevity Annuity Contracts -- Understanding Deferred Income Annuities -- Hedging longevity risk with deferred income annuities -- Weighing the pros and cons of deferred income annuities -- The pros -- The cons -- Postponing Required Minimum Distributions with a Qualified Longevity Annuity Contract -- Shopping for a Deferred Income Annuity or Qualified Longevity Annuity Contract -- Chapter 12 Tapping the Liquidity in Your Home -- Defining Reverse Mortgages -- Releasing Your Home Equity -- Changing your mind -- Deciding what to do with the money -- Abiding by the rules -- Determining your loan amount -- Accepting your property as collateral -- Weighing the Pros and Cons of Reverse Mortgages -- Pros -- Cons -- Setting Up a Standby Line of Credit -- Finding an HECM Counselor -- Part 3 Shopping in the Annuity Marketplace -- Chapter 13 Issuing Annuities: It's What Life Insurers Do -- Measuring a Life Insurer's Strength | |
| 505 | 8 | |a Classifying the Life Insurers -- Mutual life insurers -- The meaning of "on your side" -- Specializing in simple annuities -- Stock life insurers -- Conflicting interests -- Selling variable annuities -- Private equity-linked life insurers -- Selling fixed indexed and fixed-rate annuities -- Distributing through insurance agents -- Other types of life insurers -- Keeping the Life/Annuity Industry Honest -- Chapter 14 Meeting the Annuity Salespeople -- Surveying the Annuity Sales Landscape -- Meeting the distributors -- Meeting the agents and advisers -- Insurance agents -- Advisers at banks -- Brokerage advisers -- Financial planners -- Asking Smart Questions -- Do I need a product or do I need advice? -- Who serves people at my level of wealth? -- What conflicts of interest do advisers have? -- Which hat does my adviser wear today? -- Which designations are meaningful? -- Am I getting customized advice? -- Expecting Service in Your "Best Interest" -- The suitability standard -- The fiduciary standard -- The best interest standard -- Chapter 15 Site-Seeing in the Annuity Web World -- Shopping for Fixed Annuities Online -- ImmediateAnnuities.com -- The Annuity Man -- Blueprint Income/AARP -- Fidelity and Schwab -- Income Solutions -- Annuity Straight Talk -- Working with Robo-Advisers -- NewRetirement -- IncomeConductor -- Income Strategy -- Retirement Researcher -- Retirement Optimizer -- Calculating Your Financial Future -- Landing on the Annuity Issuers' Sites -- Chapter 16 Adding Annuities to 401(k)s -- Fixing the Flaw in 401(k)s -- Telling 401(k) Annuities Apart -- Income annuities versus annuities with guaranteed lifetime withdrawal benefits -- In-plan versus out-of-plan annuities -- Annuities in TDFs or managed accounts -- Deferred contracts, immediate contracts, and qualified lifetime annuity contracts -- Browsing the 401(k) Annuity Shelf | |
| 505 | 8 | |a BlackRock LifePath Paycheck | |
| 650 | 4 | |a Annuities | |
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| contents | Intro -- Title Page -- Copyright Page -- Table of Contents -- Introduction -- About This Book -- Foolish Assumptions -- Icons Used in This Book -- Beyond the Book -- Where to Go from Here -- Part 1 Making Sense of Annuities -- Chapter 1 The ABCs of Annuities -- Getting Acquainted with Annuities -- Part investment, part insurance -- Deferring taxes -- Recognizing the Most Popular Annuities -- "Savings account" annuities -- Pension-like annuities -- Options-based fixed indexed annuities -- Registered index-linked annuities -- Traditional variable annuities -- Deferred income annuities -- Age-in-place annuities (also known as reverse mortgages) -- Reasons for Exploring Annuities -- The Life Cycle of All Annuities -- The purchase stage -- The accumulation stage -- The income or distribution stage -- Chapter 2 Taming the Big Retirement Risks -- Countering the Main Risks of Retirement -- Longevity-related risks -- The risk of outliving your savings -- The risk of losing a spouse -- Health risk -- Long-term-care risk -- Investment risks -- Market risk -- Sequence-of-returns risk -- Inflation risk -- Tax risk -- Policy risk -- Planning risks -- Having no income plan at all -- Overspending -- Hoarding -- Helping out family members -- Facing a decline in cognitive ability -- Using Annuities to Buffer Retirement Risks -- Annuities for longevity risks -- Annuities for investment risks -- Annuities for planning risks -- Chapter 3 Diving into Annuity Documents -- Exploring the Annuity Application and Contract -- Signing an annuity contract -- Designating the key players -- The owner -- The annuitant -- The beneficiaries -- The issuer -- Other standard elements of annuity contracts -- Free-look periods -- Death benefits -- Surrender periods -- Single versus flexible premium -- Qualified versus nonqualified -- Annuitization options -- New or replacement annuity Distinguishing between Variable, Fixed, and Fixed Indexed Annuity Contracts -- Variable annuity contracts -- Fixed annuity contracts -- Fixed indexed annuity contracts -- Ensuring Suitability and "Best Interest" -- Chapter 4 Weighing Annuity Pros and Cons -- Evaluating Annuity Advantages -- Punting income taxes to the future -- Contributing as much as you want -- Reducing investment risk -- Protecting beneficiaries -- Assuring income in retirement -- Capturing "survivorship credits" -- Obtaining peace of mind -- Replacing your old paycheck -- Confronting Annuity Drawbacks -- Duplicating Social Security -- Higher expenses than mutual funds -- Reduced liquidity -- Annuity earnings are taxed as ordinary income -- Low transparency, high complexity in some cases -- Adverse selection -- Comparing Annuities with Their Competition -- Deferred fixed annuities versus CDs -- Deferred variable annuities versus mutual funds -- Income annuities versus systematic withdrawals -- Chapter 5 Deciding Whether an Annuity Is Right for You -- Identifying Candidates for Annuities -- Boomer couples with 401(k) or 403(b) accounts -- Women -- The middle class and the affluent -- Retirees who don't have a defined benefit pension plan -- People with rugged genes -- Market bears and other pessimists -- Neither the very young nor the extremely old -- People who want to turn a tax bite into bite-size pieces -- Those seeking less-expensive long-term-care insurance -- People without beneficiaries -- Part 2 Identifying the Major Annuities -- Chapter 6 Earning Interest with Fixed Annuities -- Understanding How Fixed Annuities Work -- What's fixed about a fixed annuity? -- Protection from two kinds of risks -- Examining the Main Types of Fixed Annuities -- Single-year guarantee fixed annuities -- Multiyear guaranteed annuities -- Weighing the Pros and Cons of Fixed Annuities Buying a Fixed Annuity -- Chapter 7 Creating Retirement Paychecks with Income Annuities -- Understanding Income Annuities -- Customizing Your Income Annuity -- Deciding who will receive income -- Deciding how long payments will last -- Accessing your money after you buy the contract -- Deciding whether to add an inflation-protection rider -- Deciding whether to add a cash refund or installment refund -- Deciding when to buy your annuity -- Buying and Paying for an Income Annuity -- Deciding how to pay for your annuity -- After-tax money -- Pretax money -- Comparing an income annuity to a variable annuity with a guaranteed lifetime withdrawal benefit -- Choosing fixed or variable income payments -- Comparing quotes -- Catching Up on Single Premium Immediate Annuity Innovations -- Medically underwritten income annuities -- Easing into retirement with a bridge annuity -- Accelerating your income payments -- Dividend-paying "mutual" income annuities -- Income annuities that let you take all your money out -- Medicaid-compliant or restricted annuities -- Chapter 8 Gambling on Fixed Indexed Annuities -- Defining Fixed Indexed Annuities -- Searching for the Right Fixed Indexed Annuity -- Step 1: Finding an FIA-savvy agent -- Step 2: Finding a strong life insurer -- Step 3: Choosing and customizing an FIA -- Choosing a term length -- Setting a reset interval -- Choosing a market index -- Volatility-controlled indexes -- Choosing a crediting formula -- Other choices and decisions -- Lifetime income riders -- Bonuses -- Enhanced performance ("strategy") fees -- Surrender charges and market-value adjustments -- Tracking Index Annuity Performance -- Weighing the Pros and Cons of Fixed Indexed Annuities -- Chapter 9 Aiming Higher with Registered Index-Linked Annuities -- Understanding Registered Index-Linked Annuities Customizing Your Registered Index-Linked Annuity -- Choosing terms or segments -- Choosing indexes -- Choosing buffers and floors -- Adding a lifetime income guarantee -- Choosing which "cap" to wear -- Seeing How RILAs Work -- Finding Out Who Buys or Sells Registered Index-Linked Annuities -- Regulating RILAs -- SEC -- FINRA -- State insurance commissioners -- Considering Recent RILA-like Savings Products -- Chapter 10 Tapping Variable Annuities for Tax Breaks and Income -- Understanding Variable Annuities -- Investment-Only Variable Annuities -- Variable Annuities with Income Riders -- How best to use a variable annuity with a guaranteed lifetime withdrawal benefit -- What to do with old variable annuities with guaranteed lifetime withdrawal benefits -- Lifetime income versus annuitization -- Weighing the Pros and Cons of Variable Annuities -- The pros -- The cons -- Chapter 11 Aging Gracefully with Deferred Income Annuities and Qualified Longevity Annuity Contracts -- Understanding Deferred Income Annuities -- Hedging longevity risk with deferred income annuities -- Weighing the pros and cons of deferred income annuities -- The pros -- The cons -- Postponing Required Minimum Distributions with a Qualified Longevity Annuity Contract -- Shopping for a Deferred Income Annuity or Qualified Longevity Annuity Contract -- Chapter 12 Tapping the Liquidity in Your Home -- Defining Reverse Mortgages -- Releasing Your Home Equity -- Changing your mind -- Deciding what to do with the money -- Abiding by the rules -- Determining your loan amount -- Accepting your property as collateral -- Weighing the Pros and Cons of Reverse Mortgages -- Pros -- Cons -- Setting Up a Standby Line of Credit -- Finding an HECM Counselor -- Part 3 Shopping in the Annuity Marketplace -- Chapter 13 Issuing Annuities: It's What Life Insurers Do -- Measuring a Life Insurer's Strength Classifying the Life Insurers -- Mutual life insurers -- The meaning of "on your side" -- Specializing in simple annuities -- Stock life insurers -- Conflicting interests -- Selling variable annuities -- Private equity-linked life insurers -- Selling fixed indexed and fixed-rate annuities -- Distributing through insurance agents -- Other types of life insurers -- Keeping the Life/Annuity Industry Honest -- Chapter 14 Meeting the Annuity Salespeople -- Surveying the Annuity Sales Landscape -- Meeting the distributors -- Meeting the agents and advisers -- Insurance agents -- Advisers at banks -- Brokerage advisers -- Financial planners -- Asking Smart Questions -- Do I need a product or do I need advice? -- Who serves people at my level of wealth? -- What conflicts of interest do advisers have? -- Which hat does my adviser wear today? -- Which designations are meaningful? -- Am I getting customized advice? -- Expecting Service in Your "Best Interest" -- The suitability standard -- The fiduciary standard -- The best interest standard -- Chapter 15 Site-Seeing in the Annuity Web World -- Shopping for Fixed Annuities Online -- ImmediateAnnuities.com -- The Annuity Man -- Blueprint Income/AARP -- Fidelity and Schwab -- Income Solutions -- Annuity Straight Talk -- Working with Robo-Advisers -- NewRetirement -- IncomeConductor -- Income Strategy -- Retirement Researcher -- Retirement Optimizer -- Calculating Your Financial Future -- Landing on the Annuity Issuers' Sites -- Chapter 16 Adding Annuities to 401(k)s -- Fixing the Flaw in 401(k)s -- Telling 401(k) Annuities Apart -- Income annuities versus annuities with guaranteed lifetime withdrawal benefits -- In-plan versus out-of-plan annuities -- Annuities in TDFs or managed accounts -- Deferred contracts, immediate contracts, and qualified lifetime annuity contracts -- Browsing the 401(k) Annuity Shelf BlackRock LifePath Paycheck |
| ctrlnum | (ZDB-30-PQE)EBC7260656 (ZDB-30-PAD)EBC7260656 (ZDB-89-EBL)EBL7260656 (OCoLC)1381709296 (DE-599)BVBBV049408856 |
| dewey-full | 368.37 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 368 - Insurance |
| dewey-raw | 368.37 |
| dewey-search | 368.37 |
| dewey-sort | 3368.37 |
| dewey-tens | 360 - Social problems and services; associations |
| discipline | Wirtschaftswissenschaften |
| discipline_str_mv | Wirtschaftswissenschaften |
| edition | 2nd ed |
| format | Electronic eBook |
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Part 1 Making Sense of Annuities -- Chapter 1 The ABCs of Annuities -- Getting Acquainted with Annuities -- Part investment, part insurance -- Deferring taxes -- Recognizing the Most Popular Annuities -- "Savings account" annuities -- Pension-like annuities -- Options-based fixed indexed annuities -- Registered index-linked annuities -- Traditional variable annuities -- Deferred income annuities -- Age-in-place annuities (also known as reverse mortgages) -- Reasons for Exploring Annuities -- The Life Cycle of All Annuities -- The purchase stage -- The accumulation stage -- The income or distribution stage -- Chapter 2 Taming the Big Retirement Risks -- Countering the Main Risks of Retirement -- Longevity-related risks -- The risk of outliving your savings -- The risk of losing a spouse -- Health risk -- Long-term-care risk -- Investment risks -- Market risk -- Sequence-of-returns risk -- Inflation risk -- Tax risk -- Policy risk -- Planning risks -- Having no income plan at all -- Overspending -- Hoarding -- Helping out family members -- Facing a decline in cognitive ability -- Using Annuities to Buffer Retirement Risks -- Annuities for longevity risks -- Annuities for investment risks -- Annuities for planning risks -- Chapter 3 Diving into Annuity Documents -- Exploring the Annuity Application and Contract -- Signing an annuity contract -- Designating the key players -- The owner -- The annuitant -- The beneficiaries -- The issuer -- Other standard elements of annuity contracts -- Free-look periods -- Death benefits -- Surrender periods -- Single versus flexible premium -- Qualified versus nonqualified -- Annuitization options -- New or replacement annuity</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">Distinguishing between Variable, Fixed, and Fixed Indexed Annuity Contracts -- Variable annuity contracts -- Fixed annuity contracts -- Fixed indexed annuity contracts -- Ensuring Suitability and "Best Interest" -- Chapter 4 Weighing Annuity Pros and Cons -- Evaluating Annuity Advantages -- Punting income taxes to the future -- Contributing as much as you want -- Reducing investment risk -- Protecting beneficiaries -- Assuring income in retirement -- Capturing "survivorship credits" -- Obtaining peace of mind -- Replacing your old paycheck -- Confronting Annuity Drawbacks -- Duplicating Social Security -- Higher expenses than mutual funds -- Reduced liquidity -- Annuity earnings are taxed as ordinary income -- Low transparency, high complexity in some cases -- Adverse selection -- Comparing Annuities with Their Competition -- Deferred fixed annuities versus CDs -- Deferred variable annuities versus mutual funds -- Income annuities versus systematic withdrawals -- Chapter 5 Deciding Whether an Annuity Is Right for You -- Identifying Candidates for Annuities -- Boomer couples with 401(k) or 403(b) accounts -- Women -- The middle class and the affluent -- Retirees who don't have a defined benefit pension plan -- People with rugged genes -- Market bears and other pessimists -- Neither the very young nor the extremely old -- People who want to turn a tax bite into bite-size pieces -- Those seeking less-expensive long-term-care insurance -- People without beneficiaries -- Part 2 Identifying the Major Annuities -- Chapter 6 Earning Interest with Fixed Annuities -- Understanding How Fixed Annuities Work -- What's fixed about a fixed annuity? -- Protection from two kinds of risks -- Examining the Main Types of Fixed Annuities -- Single-year guarantee fixed annuities -- Multiyear guaranteed annuities -- Weighing the Pros and Cons of Fixed Annuities</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">Buying a Fixed Annuity -- Chapter 7 Creating Retirement Paychecks with Income Annuities -- Understanding Income Annuities -- Customizing Your Income Annuity -- Deciding who will receive income -- Deciding how long payments will last -- Accessing your money after you buy the contract -- Deciding whether to add an inflation-protection rider -- Deciding whether to add a cash refund or installment refund -- Deciding when to buy your annuity -- Buying and Paying for an Income Annuity -- Deciding how to pay for your annuity -- After-tax money -- Pretax money -- Comparing an income annuity to a variable annuity with a guaranteed lifetime withdrawal benefit -- Choosing fixed or variable income payments -- Comparing quotes -- Catching Up on Single Premium Immediate Annuity Innovations -- Medically underwritten income annuities -- Easing into retirement with a bridge annuity -- Accelerating your income payments -- Dividend-paying "mutual" income annuities -- Income annuities that let you take all your money out -- Medicaid-compliant or restricted annuities -- Chapter 8 Gambling on Fixed Indexed Annuities -- Defining Fixed Indexed Annuities -- Searching for the Right Fixed Indexed Annuity -- Step 1: Finding an FIA-savvy agent -- Step 2: Finding a strong life insurer -- Step 3: Choosing and customizing an FIA -- Choosing a term length -- Setting a reset interval -- Choosing a market index -- Volatility-controlled indexes -- Choosing a crediting formula -- Other choices and decisions -- Lifetime income riders -- Bonuses -- Enhanced performance ("strategy") fees -- Surrender charges and market-value adjustments -- Tracking Index Annuity Performance -- Weighing the Pros and Cons of Fixed Indexed Annuities -- Chapter 9 Aiming Higher with Registered Index-Linked Annuities -- Understanding Registered Index-Linked Annuities</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">Customizing Your Registered Index-Linked Annuity -- Choosing terms or segments -- Choosing indexes -- Choosing buffers and floors -- Adding a lifetime income guarantee -- Choosing which "cap" to wear -- Seeing How RILAs Work -- Finding Out Who Buys or Sells Registered Index-Linked Annuities -- Regulating RILAs -- SEC -- FINRA -- State insurance commissioners -- Considering Recent RILA-like Savings Products -- Chapter 10 Tapping Variable Annuities for Tax Breaks and Income -- Understanding Variable Annuities -- Investment-Only Variable Annuities -- Variable Annuities with Income Riders -- How best to use a variable annuity with a guaranteed lifetime withdrawal benefit -- What to do with old variable annuities with guaranteed lifetime withdrawal benefits -- Lifetime income versus annuitization -- Weighing the Pros and Cons of Variable Annuities -- The pros -- The cons -- Chapter 11 Aging Gracefully with Deferred Income Annuities and Qualified Longevity Annuity Contracts -- Understanding Deferred Income Annuities -- Hedging longevity risk with deferred income annuities -- Weighing the pros and cons of deferred income annuities -- The pros -- The cons -- Postponing Required Minimum Distributions with a Qualified Longevity Annuity Contract -- Shopping for a Deferred Income Annuity or Qualified Longevity Annuity Contract -- Chapter 12 Tapping the Liquidity in Your Home -- Defining Reverse Mortgages -- Releasing Your Home Equity -- Changing your mind -- Deciding what to do with the money -- Abiding by the rules -- Determining your loan amount -- Accepting your property as collateral -- Weighing the Pros and Cons of Reverse Mortgages -- Pros -- Cons -- Setting Up a Standby Line of Credit -- Finding an HECM Counselor -- Part 3 Shopping in the Annuity Marketplace -- Chapter 13 Issuing Annuities: It's What Life Insurers Do -- Measuring a Life Insurer's Strength</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">Classifying the Life Insurers -- Mutual life insurers -- The meaning of "on your side" -- Specializing in simple annuities -- Stock life insurers -- Conflicting interests -- Selling variable annuities -- Private equity-linked life insurers -- Selling fixed indexed and fixed-rate annuities -- Distributing through insurance agents -- Other types of life insurers -- Keeping the Life/Annuity Industry Honest -- Chapter 14 Meeting the Annuity Salespeople -- Surveying the Annuity Sales Landscape -- Meeting the distributors -- Meeting the agents and advisers -- Insurance agents -- Advisers at banks -- Brokerage advisers -- Financial planners -- Asking Smart Questions -- Do I need a product or do I need advice? -- Who serves people at my level of wealth? -- What conflicts of interest do advisers have? -- Which hat does my adviser wear today? -- Which designations are meaningful? -- Am I getting customized advice? -- Expecting Service in Your "Best Interest" -- The suitability standard -- The fiduciary standard -- The best interest standard -- Chapter 15 Site-Seeing in the Annuity Web World -- Shopping for Fixed Annuities Online -- ImmediateAnnuities.com -- The Annuity Man -- Blueprint Income/AARP -- Fidelity and Schwab -- Income Solutions -- Annuity Straight Talk -- Working with Robo-Advisers -- NewRetirement -- IncomeConductor -- Income Strategy -- Retirement Researcher -- Retirement Optimizer -- Calculating Your Financial Future -- Landing on the Annuity Issuers' Sites -- Chapter 16 Adding Annuities to 401(k)s -- Fixing the Flaw in 401(k)s -- Telling 401(k) Annuities Apart -- Income annuities versus annuities with guaranteed lifetime withdrawal benefits -- In-plan versus out-of-plan annuities -- Annuities in TDFs or managed accounts -- Deferred contracts, immediate contracts, and qualified lifetime annuity contracts -- Browsing the 401(k) Annuity Shelf</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">BlackRock LifePath Paycheck</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Annuities</subfield></datafield><datafield tag="776" ind1="0" ind2="8"><subfield code="i">Erscheint auch als</subfield><subfield code="n">Druck-Ausgabe</subfield><subfield code="a">Pechter, Kerry</subfield><subfield code="t">Annuities for Dummies</subfield><subfield code="d">Newark : John Wiley & Sons, 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| id | DE-604.BV049408856 |
| illustrated | Not Illustrated |
| index_date | 2024-07-03T23:05:37Z |
| indexdate | 2024-07-10T10:06:17Z |
| institution | BVB |
| isbn | 9781394168590 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-034735940 |
| oclc_num | 1381709296 |
| open_access_boolean | |
| owner | DE-2070s |
| owner_facet | DE-2070s |
| physical | 1 Online-Ressource (371 Seiten) |
| psigel | ZDB-30-PQE ZDB-30-PQE HWR_PDA_PQE |
| publishDate | 2023 |
| publishDateSearch | 2023 |
| publishDateSort | 2023 |
| publisher | John Wiley & Sons, Incorporated |
| record_format | marc |
| spelling | Pechter, Kerry Verfasser aut Annuities for Dummies 2nd ed Newark John Wiley & Sons, Incorporated 2023 ©2023 1 Online-Ressource (371 Seiten) txt rdacontent c rdamedia cr rdacarrier Description based on publisher supplied metadata and other sources Intro -- Title Page -- Copyright Page -- Table of Contents -- Introduction -- About This Book -- Foolish Assumptions -- Icons Used in This Book -- Beyond the Book -- Where to Go from Here -- Part 1 Making Sense of Annuities -- Chapter 1 The ABCs of Annuities -- Getting Acquainted with Annuities -- Part investment, part insurance -- Deferring taxes -- Recognizing the Most Popular Annuities -- "Savings account" annuities -- Pension-like annuities -- Options-based fixed indexed annuities -- Registered index-linked annuities -- Traditional variable annuities -- Deferred income annuities -- Age-in-place annuities (also known as reverse mortgages) -- Reasons for Exploring Annuities -- The Life Cycle of All Annuities -- The purchase stage -- The accumulation stage -- The income or distribution stage -- Chapter 2 Taming the Big Retirement Risks -- Countering the Main Risks of Retirement -- Longevity-related risks -- The risk of outliving your savings -- The risk of losing a spouse -- Health risk -- Long-term-care risk -- Investment risks -- Market risk -- Sequence-of-returns risk -- Inflation risk -- Tax risk -- Policy risk -- Planning risks -- Having no income plan at all -- Overspending -- Hoarding -- Helping out family members -- Facing a decline in cognitive ability -- Using Annuities to Buffer Retirement Risks -- Annuities for longevity risks -- Annuities for investment risks -- Annuities for planning risks -- Chapter 3 Diving into Annuity Documents -- Exploring the Annuity Application and Contract -- Signing an annuity contract -- Designating the key players -- The owner -- The annuitant -- The beneficiaries -- The issuer -- Other standard elements of annuity contracts -- Free-look periods -- Death benefits -- Surrender periods -- Single versus flexible premium -- Qualified versus nonqualified -- Annuitization options -- New or replacement annuity Distinguishing between Variable, Fixed, and Fixed Indexed Annuity Contracts -- Variable annuity contracts -- Fixed annuity contracts -- Fixed indexed annuity contracts -- Ensuring Suitability and "Best Interest" -- Chapter 4 Weighing Annuity Pros and Cons -- Evaluating Annuity Advantages -- Punting income taxes to the future -- Contributing as much as you want -- Reducing investment risk -- Protecting beneficiaries -- Assuring income in retirement -- Capturing "survivorship credits" -- Obtaining peace of mind -- Replacing your old paycheck -- Confronting Annuity Drawbacks -- Duplicating Social Security -- Higher expenses than mutual funds -- Reduced liquidity -- Annuity earnings are taxed as ordinary income -- Low transparency, high complexity in some cases -- Adverse selection -- Comparing Annuities with Their Competition -- Deferred fixed annuities versus CDs -- Deferred variable annuities versus mutual funds -- Income annuities versus systematic withdrawals -- Chapter 5 Deciding Whether an Annuity Is Right for You -- Identifying Candidates for Annuities -- Boomer couples with 401(k) or 403(b) accounts -- Women -- The middle class and the affluent -- Retirees who don't have a defined benefit pension plan -- People with rugged genes -- Market bears and other pessimists -- Neither the very young nor the extremely old -- People who want to turn a tax bite into bite-size pieces -- Those seeking less-expensive long-term-care insurance -- People without beneficiaries -- Part 2 Identifying the Major Annuities -- Chapter 6 Earning Interest with Fixed Annuities -- Understanding How Fixed Annuities Work -- What's fixed about a fixed annuity? -- Protection from two kinds of risks -- Examining the Main Types of Fixed Annuities -- Single-year guarantee fixed annuities -- Multiyear guaranteed annuities -- Weighing the Pros and Cons of Fixed Annuities Buying a Fixed Annuity -- Chapter 7 Creating Retirement Paychecks with Income Annuities -- Understanding Income Annuities -- Customizing Your Income Annuity -- Deciding who will receive income -- Deciding how long payments will last -- Accessing your money after you buy the contract -- Deciding whether to add an inflation-protection rider -- Deciding whether to add a cash refund or installment refund -- Deciding when to buy your annuity -- Buying and Paying for an Income Annuity -- Deciding how to pay for your annuity -- After-tax money -- Pretax money -- Comparing an income annuity to a variable annuity with a guaranteed lifetime withdrawal benefit -- Choosing fixed or variable income payments -- Comparing quotes -- Catching Up on Single Premium Immediate Annuity Innovations -- Medically underwritten income annuities -- Easing into retirement with a bridge annuity -- Accelerating your income payments -- Dividend-paying "mutual" income annuities -- Income annuities that let you take all your money out -- Medicaid-compliant or restricted annuities -- Chapter 8 Gambling on Fixed Indexed Annuities -- Defining Fixed Indexed Annuities -- Searching for the Right Fixed Indexed Annuity -- Step 1: Finding an FIA-savvy agent -- Step 2: Finding a strong life insurer -- Step 3: Choosing and customizing an FIA -- Choosing a term length -- Setting a reset interval -- Choosing a market index -- Volatility-controlled indexes -- Choosing a crediting formula -- Other choices and decisions -- Lifetime income riders -- Bonuses -- Enhanced performance ("strategy") fees -- Surrender charges and market-value adjustments -- Tracking Index Annuity Performance -- Weighing the Pros and Cons of Fixed Indexed Annuities -- Chapter 9 Aiming Higher with Registered Index-Linked Annuities -- Understanding Registered Index-Linked Annuities Customizing Your Registered Index-Linked Annuity -- Choosing terms or segments -- Choosing indexes -- Choosing buffers and floors -- Adding a lifetime income guarantee -- Choosing which "cap" to wear -- Seeing How RILAs Work -- Finding Out Who Buys or Sells Registered Index-Linked Annuities -- Regulating RILAs -- SEC -- FINRA -- State insurance commissioners -- Considering Recent RILA-like Savings Products -- Chapter 10 Tapping Variable Annuities for Tax Breaks and Income -- Understanding Variable Annuities -- Investment-Only Variable Annuities -- Variable Annuities with Income Riders -- How best to use a variable annuity with a guaranteed lifetime withdrawal benefit -- What to do with old variable annuities with guaranteed lifetime withdrawal benefits -- Lifetime income versus annuitization -- Weighing the Pros and Cons of Variable Annuities -- The pros -- The cons -- Chapter 11 Aging Gracefully with Deferred Income Annuities and Qualified Longevity Annuity Contracts -- Understanding Deferred Income Annuities -- Hedging longevity risk with deferred income annuities -- Weighing the pros and cons of deferred income annuities -- The pros -- The cons -- Postponing Required Minimum Distributions with a Qualified Longevity Annuity Contract -- Shopping for a Deferred Income Annuity or Qualified Longevity Annuity Contract -- Chapter 12 Tapping the Liquidity in Your Home -- Defining Reverse Mortgages -- Releasing Your Home Equity -- Changing your mind -- Deciding what to do with the money -- Abiding by the rules -- Determining your loan amount -- Accepting your property as collateral -- Weighing the Pros and Cons of Reverse Mortgages -- Pros -- Cons -- Setting Up a Standby Line of Credit -- Finding an HECM Counselor -- Part 3 Shopping in the Annuity Marketplace -- Chapter 13 Issuing Annuities: It's What Life Insurers Do -- Measuring a Life Insurer's Strength Classifying the Life Insurers -- Mutual life insurers -- The meaning of "on your side" -- Specializing in simple annuities -- Stock life insurers -- Conflicting interests -- Selling variable annuities -- Private equity-linked life insurers -- Selling fixed indexed and fixed-rate annuities -- Distributing through insurance agents -- Other types of life insurers -- Keeping the Life/Annuity Industry Honest -- Chapter 14 Meeting the Annuity Salespeople -- Surveying the Annuity Sales Landscape -- Meeting the distributors -- Meeting the agents and advisers -- Insurance agents -- Advisers at banks -- Brokerage advisers -- Financial planners -- Asking Smart Questions -- Do I need a product or do I need advice? -- Who serves people at my level of wealth? -- What conflicts of interest do advisers have? -- Which hat does my adviser wear today? -- Which designations are meaningful? -- Am I getting customized advice? -- Expecting Service in Your "Best Interest" -- The suitability standard -- The fiduciary standard -- The best interest standard -- Chapter 15 Site-Seeing in the Annuity Web World -- Shopping for Fixed Annuities Online -- ImmediateAnnuities.com -- The Annuity Man -- Blueprint Income/AARP -- Fidelity and Schwab -- Income Solutions -- Annuity Straight Talk -- Working with Robo-Advisers -- NewRetirement -- IncomeConductor -- Income Strategy -- Retirement Researcher -- Retirement Optimizer -- Calculating Your Financial Future -- Landing on the Annuity Issuers' Sites -- Chapter 16 Adding Annuities to 401(k)s -- Fixing the Flaw in 401(k)s -- Telling 401(k) Annuities Apart -- Income annuities versus annuities with guaranteed lifetime withdrawal benefits -- In-plan versus out-of-plan annuities -- Annuities in TDFs or managed accounts -- Deferred contracts, immediate contracts, and qualified lifetime annuity contracts -- Browsing the 401(k) Annuity Shelf BlackRock LifePath Paycheck Annuities Erscheint auch als Druck-Ausgabe Pechter, Kerry Annuities for Dummies Newark : John Wiley & Sons, Incorporated,c2023 9781394168583 |
| spellingShingle | Pechter, Kerry Annuities for Dummies Intro -- Title Page -- Copyright Page -- Table of Contents -- Introduction -- About This Book -- Foolish Assumptions -- Icons Used in This Book -- Beyond the Book -- Where to Go from Here -- Part 1 Making Sense of Annuities -- Chapter 1 The ABCs of Annuities -- Getting Acquainted with Annuities -- Part investment, part insurance -- Deferring taxes -- Recognizing the Most Popular Annuities -- "Savings account" annuities -- Pension-like annuities -- Options-based fixed indexed annuities -- Registered index-linked annuities -- Traditional variable annuities -- Deferred income annuities -- Age-in-place annuities (also known as reverse mortgages) -- Reasons for Exploring Annuities -- The Life Cycle of All Annuities -- The purchase stage -- The accumulation stage -- The income or distribution stage -- Chapter 2 Taming the Big Retirement Risks -- Countering the Main Risks of Retirement -- Longevity-related risks -- The risk of outliving your savings -- The risk of losing a spouse -- Health risk -- Long-term-care risk -- Investment risks -- Market risk -- Sequence-of-returns risk -- Inflation risk -- Tax risk -- Policy risk -- Planning risks -- Having no income plan at all -- Overspending -- Hoarding -- Helping out family members -- Facing a decline in cognitive ability -- Using Annuities to Buffer Retirement Risks -- Annuities for longevity risks -- Annuities for investment risks -- Annuities for planning risks -- Chapter 3 Diving into Annuity Documents -- Exploring the Annuity Application and Contract -- Signing an annuity contract -- Designating the key players -- The owner -- The annuitant -- The beneficiaries -- The issuer -- Other standard elements of annuity contracts -- Free-look periods -- Death benefits -- Surrender periods -- Single versus flexible premium -- Qualified versus nonqualified -- Annuitization options -- New or replacement annuity Distinguishing between Variable, Fixed, and Fixed Indexed Annuity Contracts -- Variable annuity contracts -- Fixed annuity contracts -- Fixed indexed annuity contracts -- Ensuring Suitability and "Best Interest" -- Chapter 4 Weighing Annuity Pros and Cons -- Evaluating Annuity Advantages -- Punting income taxes to the future -- Contributing as much as you want -- Reducing investment risk -- Protecting beneficiaries -- Assuring income in retirement -- Capturing "survivorship credits" -- Obtaining peace of mind -- Replacing your old paycheck -- Confronting Annuity Drawbacks -- Duplicating Social Security -- Higher expenses than mutual funds -- Reduced liquidity -- Annuity earnings are taxed as ordinary income -- Low transparency, high complexity in some cases -- Adverse selection -- Comparing Annuities with Their Competition -- Deferred fixed annuities versus CDs -- Deferred variable annuities versus mutual funds -- Income annuities versus systematic withdrawals -- Chapter 5 Deciding Whether an Annuity Is Right for You -- Identifying Candidates for Annuities -- Boomer couples with 401(k) or 403(b) accounts -- Women -- The middle class and the affluent -- Retirees who don't have a defined benefit pension plan -- People with rugged genes -- Market bears and other pessimists -- Neither the very young nor the extremely old -- People who want to turn a tax bite into bite-size pieces -- Those seeking less-expensive long-term-care insurance -- People without beneficiaries -- Part 2 Identifying the Major Annuities -- Chapter 6 Earning Interest with Fixed Annuities -- Understanding How Fixed Annuities Work -- What's fixed about a fixed annuity? -- Protection from two kinds of risks -- Examining the Main Types of Fixed Annuities -- Single-year guarantee fixed annuities -- Multiyear guaranteed annuities -- Weighing the Pros and Cons of Fixed Annuities Buying a Fixed Annuity -- Chapter 7 Creating Retirement Paychecks with Income Annuities -- Understanding Income Annuities -- Customizing Your Income Annuity -- Deciding who will receive income -- Deciding how long payments will last -- Accessing your money after you buy the contract -- Deciding whether to add an inflation-protection rider -- Deciding whether to add a cash refund or installment refund -- Deciding when to buy your annuity -- Buying and Paying for an Income Annuity -- Deciding how to pay for your annuity -- After-tax money -- Pretax money -- Comparing an income annuity to a variable annuity with a guaranteed lifetime withdrawal benefit -- Choosing fixed or variable income payments -- Comparing quotes -- Catching Up on Single Premium Immediate Annuity Innovations -- Medically underwritten income annuities -- Easing into retirement with a bridge annuity -- Accelerating your income payments -- Dividend-paying "mutual" income annuities -- Income annuities that let you take all your money out -- Medicaid-compliant or restricted annuities -- Chapter 8 Gambling on Fixed Indexed Annuities -- Defining Fixed Indexed Annuities -- Searching for the Right Fixed Indexed Annuity -- Step 1: Finding an FIA-savvy agent -- Step 2: Finding a strong life insurer -- Step 3: Choosing and customizing an FIA -- Choosing a term length -- Setting a reset interval -- Choosing a market index -- Volatility-controlled indexes -- Choosing a crediting formula -- Other choices and decisions -- Lifetime income riders -- Bonuses -- Enhanced performance ("strategy") fees -- Surrender charges and market-value adjustments -- Tracking Index Annuity Performance -- Weighing the Pros and Cons of Fixed Indexed Annuities -- Chapter 9 Aiming Higher with Registered Index-Linked Annuities -- Understanding Registered Index-Linked Annuities Customizing Your Registered Index-Linked Annuity -- Choosing terms or segments -- Choosing indexes -- Choosing buffers and floors -- Adding a lifetime income guarantee -- Choosing which "cap" to wear -- Seeing How RILAs Work -- Finding Out Who Buys or Sells Registered Index-Linked Annuities -- Regulating RILAs -- SEC -- FINRA -- State insurance commissioners -- Considering Recent RILA-like Savings Products -- Chapter 10 Tapping Variable Annuities for Tax Breaks and Income -- Understanding Variable Annuities -- Investment-Only Variable Annuities -- Variable Annuities with Income Riders -- How best to use a variable annuity with a guaranteed lifetime withdrawal benefit -- What to do with old variable annuities with guaranteed lifetime withdrawal benefits -- Lifetime income versus annuitization -- Weighing the Pros and Cons of Variable Annuities -- The pros -- The cons -- Chapter 11 Aging Gracefully with Deferred Income Annuities and Qualified Longevity Annuity Contracts -- Understanding Deferred Income Annuities -- Hedging longevity risk with deferred income annuities -- Weighing the pros and cons of deferred income annuities -- The pros -- The cons -- Postponing Required Minimum Distributions with a Qualified Longevity Annuity Contract -- Shopping for a Deferred Income Annuity or Qualified Longevity Annuity Contract -- Chapter 12 Tapping the Liquidity in Your Home -- Defining Reverse Mortgages -- Releasing Your Home Equity -- Changing your mind -- Deciding what to do with the money -- Abiding by the rules -- Determining your loan amount -- Accepting your property as collateral -- Weighing the Pros and Cons of Reverse Mortgages -- Pros -- Cons -- Setting Up a Standby Line of Credit -- Finding an HECM Counselor -- Part 3 Shopping in the Annuity Marketplace -- Chapter 13 Issuing Annuities: It's What Life Insurers Do -- Measuring a Life Insurer's Strength Classifying the Life Insurers -- Mutual life insurers -- The meaning of "on your side" -- Specializing in simple annuities -- Stock life insurers -- Conflicting interests -- Selling variable annuities -- Private equity-linked life insurers -- Selling fixed indexed and fixed-rate annuities -- Distributing through insurance agents -- Other types of life insurers -- Keeping the Life/Annuity Industry Honest -- Chapter 14 Meeting the Annuity Salespeople -- Surveying the Annuity Sales Landscape -- Meeting the distributors -- Meeting the agents and advisers -- Insurance agents -- Advisers at banks -- Brokerage advisers -- Financial planners -- Asking Smart Questions -- Do I need a product or do I need advice? -- Who serves people at my level of wealth? -- What conflicts of interest do advisers have? -- Which hat does my adviser wear today? -- Which designations are meaningful? -- Am I getting customized advice? -- Expecting Service in Your "Best Interest" -- The suitability standard -- The fiduciary standard -- The best interest standard -- Chapter 15 Site-Seeing in the Annuity Web World -- Shopping for Fixed Annuities Online -- ImmediateAnnuities.com -- The Annuity Man -- Blueprint Income/AARP -- Fidelity and Schwab -- Income Solutions -- Annuity Straight Talk -- Working with Robo-Advisers -- NewRetirement -- IncomeConductor -- Income Strategy -- Retirement Researcher -- Retirement Optimizer -- Calculating Your Financial Future -- Landing on the Annuity Issuers' Sites -- Chapter 16 Adding Annuities to 401(k)s -- Fixing the Flaw in 401(k)s -- Telling 401(k) Annuities Apart -- Income annuities versus annuities with guaranteed lifetime withdrawal benefits -- In-plan versus out-of-plan annuities -- Annuities in TDFs or managed accounts -- Deferred contracts, immediate contracts, and qualified lifetime annuity contracts -- Browsing the 401(k) Annuity Shelf BlackRock LifePath Paycheck Annuities |
| title | Annuities for Dummies |
| title_auth | Annuities for Dummies |
| title_exact_search | Annuities for Dummies |
| title_exact_search_txtP | Annuities for Dummies |
| title_full | Annuities for Dummies |
| title_fullStr | Annuities for Dummies |
| title_full_unstemmed | Annuities for Dummies |
| title_short | Annuities for Dummies |
| title_sort | annuities for dummies |
| topic | Annuities |
| topic_facet | Annuities |
| work_keys_str_mv | AT pechterkerry annuitiesfordummies |