Annuity Payout Rates vs. Interest Rates
HTML-код
- Опубликовано: 12 сен 2024
- Today’s topic is a very good one and it's so important: Annuity rates vs. payout rates.
Watch and Enjoy,
Stan The Annuity Man
Free Annuity Owner’s Manuals
www.stantheann...
Free Annuity Calculators and Live Rate Feeds
www.stantheann...
Book a Free 30-minute Call with Stan The Annuity Man
www.stantheann...
Key Moments in this Episode
1:50 Annuity Payout Rates
3:53 4 Lifetime Income Annuities
6:20 Interest Rates
9:30 Get My “How To Buy An Annuity” E-Book For Free
Other Resources
ALL THINGS ANNUITIES
www.stantheann...
LISTEN/WATCH FUN WITH ANNUITIES PODCAST
www.stantheann...
JOIN THE ANNUITY LOVERS FACEBOOK GROUP
/ annuityloversclub
CONNECT WITH STAN
Call Stan The Annuity Man: 800-509-6473
Website: theannuityman.c...
Email: Stan@TheAnnuityMan.com
Facebook: / stantheannuityman
Twitter: / stanannuityman
TikTok: / theannuityman
Instagram: / theannuityman
#StanTheAnnuityMan
#Annuity
#TheAnnuityMan
Hey Stan, you should make a video about where exactly insurance carriers invest your money to make enough return to pay you back in the future.
Life insurance companies are 100% capitalized for annuities. Mostly Bonds in real estate.
Totally agree
Stan thanks for the phone call ; many thanks for the amazing u tube videos. Thanks for all the books which enlightened me. Most of all thanks for setting me straight on annuities. You are the Buddah of Annuities...
Thanks Marc!
Great video Stan , you break in down in a way that makes it easy to understand
You are correct that you should not chase interest rates when buying annuities, but YES, they DO have an impact on what you payout will be. I just took the lump sum pension from an old job, and bought an immediate life 20 year certain joint annuity two weeks ago, to start collecting 7/1/23. The monthly payout will be $627 a month. Friday, 1 1/2 weeks later, because Fed bond yields have gone up, that same annuity would pay $641. Not a massive increase, but rhese payout rates have been increasing this year, right along with the bond yields. My life expectancy didn't change drastically during those 10 days!
Does the immediate life 20 year certain joint annuity have a "Free Look" period so that you can cancel it and update to the higher rate? That is $3,360.00 overall for shuffling a little paperwork! IF YOU ARE NOT OUTSIDE THE FREE LOOK PERIOD.
Isn’t the payout rate partly a return of principal plus interest rate?
Yes it is.
Let's be honest here. If you are lear jetting it to hang with Mick and the Stones, all your dough is in a Trust. But I love payout rates for those us that sleep out on the sidewalks for tickers back in the 70s
He makes it seem that interest rates mean nothing. But a 65 year old buying a SPIA this year makes more per month than a 65 year old last year did. So it does seem to have some effect on lifetime income.