Last week, I came across this publication (opens pdf in new window) put together by the Association For Insured Retirement Solutions (Hmmm, I wonder if they have an agenda?) rebutting what they call common “misconceptions” about variable annuities. According to their website, this association (called NAVA),
“…is a proven, highly-effective alliance of leading companies involved in the annuity and variable products [...]
Entries Tagged as 'Annuities'
Common “Misconceptions” About Variable Annuities
May 22nd, 2008 · No Comments
Tags: Annuities
Variable Annuities: The Numbers
May 2nd, 2008 · No Comments
Back in february I wrote about certain situations where a variable annuity may make sense. My conclusion was that there are particular investments it makes sense to put in a variable annuity: high-yield junk bonds, intermediate-term corporate bonds, and REITs, provided you have:
Maxed out all other tax-advantaged retirement options like your 401k and Roth IRA
Built a [...]
Tags: Annuities
Who Should Buy An Annuity?
April 21st, 2008 · 1 Comment
Ok, so we all know variable annuities are usually better deals for the annuity salesman than the customer. But let’s ignore all that for a moment. Surely there must be certain circumstances when an annuity makes sense, right? Indeed, I’ve already written about some of the few (very few) ways you can use a variable [...]
Tags: Annuities · Personal finance · Retirement
How To Use Variable Annuities the Right Way
February 27th, 2008 · 8 Comments
First things first: variable annuities are poor investments for most people (with a few important exceptions I’ll get to in a moment). They are usually expensive, complicated, illiquid, and hard to understand for all but the most sophisticated of investors. Unfortunately, the target of a variable annuity sales pitch is usually a financially unsophisticated middle-class investor who [...]

