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Annuities- Survival of the Gift Annuities

By: Genny Ketcherside

To many it is an economical time of survival of the fittest. To some it is a good time to think about reviewing your portfolio with your investment advisor. In today’s economy, determining the best investment policy at this particular time is very difficult.

However, it is easily seen as practical to invest gift annuity reserves more conservatively than your donation. This is a common accepted practice.

On the average, charities invest around 45% of their reserves in equities. Some large charities with huge reserves are more aggressive, while smaller charities invest a smaller percentage in equities.

The issue with some gift annuities is that they endure a major market loss soon after the contributions. With a more conservative, varied portfolio, these gift annuities could possibly be protected against these losses.

As a result of the current financial crisis, some charities are questioning whether to suspend their gift annuity programs. Suspending the program at this time, however, could increase risk for several reasons.

One reason it would increase risk is because these new annuities are likely to result in balances. Gift annuity rates paid on new annuities will be a lot less that the rates being paid on most of the ones currently on your books.

Another reason is because while the market is down in today’s economy, annuities that will have the strongest balances now will be those that were established at the bottom of the market several years ago when the market was stronger.

Gift annuities have been around for many years, and they will be around for many more. They have survived many recessions and other economical downfalls. It is reasonable to be concerned, but it should still be possible to operate a rewarding program. With proper methods and risk control strategies, the gift annuity will continue to survive. 

Are you currently considering selling an annuity or a structured settlement?  If so contact a reputable broker or let us refer you to someone we know and trust.

Immediate Annuity – Your Retirement Freedom 

By: Genny Ketcherside

The freedom of not having to worry about money in your retirement years is an essential liberty. An immediate annuity can possibly help you find that liberty.

Immediate annuities are a pact between the insurance companies who embrace the assets and the owner who credits them. After retirement, an immediate annuity usually is funded from an IRA or 401(k) plan. This is done to defer income taxes and to raise monthly income.

Income taxes are owed on the entire balance available once the funds of an IRA or 401(k) are withdrawn from the arrangement. The funds available are then changed to funds available to the owner.

It is important to remember that the added income could move a proprietor up the income tax bracket. Also, it could decrease the amount of funds available for investment.

By putting these accounts into an immediate annuity, it defers the balance on the income tax due only on the payments received. For this reason, many investors go to immediate annuities to take advantage of tax saving tactics.

Payments on immediate annuities can be set up according to your needs. The payments are not delayed and can be received monthly, quarterly, semi-annually, or annually. The amount received will depend on the amount invested, the time structure set up, and the rate of return on the account.

Most immediate annuities are fixed or variable. A fixed annuity is a fixed rate of interest on the funds left in the account. A variable annuity pay back will depend on investment in the stock market. A financial advisor can go over which best fits your needs as well as any questions on payments received and taxes.

Immediate annuities are a great lift to your retirement goals. It is an opportunity to save money by delaying payments on income taxes and delivers extra income for years.

If you are thinking about an immediate annuity, then you may be heading down the right path. It could be the path toward your retirement freedom.

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