Annuity Payout Rates vs. Interest Rates (TAM Classic)
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- Опубликовано: 6 июл 2024
- Join us as we explore this vital aspect of retirement planning. We'll explain the connection between annuity payouts and prevailing interest rates, offering practical examples and strategies for maximizing your returns.
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Great video. Very clearly done. Thank you!
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In the event of the policy holders passing, the payout then goes to listed beneficiaries...check. But what happens if say one of three beneficiaries then passes? Does the payout for the remaining 2 increase (split the amount of the one who passed)?
That is what would happen with beneficiaries listed on most other assets, so I would guess you have it correct. The survivors split the decedents share equally, unless you specify otherwise in your instructions.
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I just bought a 25-year period certain annuity with a 7.4% payout. I calculated the interest rate to be 5.6%.
That’s great to hear! If you have any questions, don’t hesitate to reach out:
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If you put the money in an ETF that mirrors the S&P for 25 yrs, your average ROI would be 11.1% per yr. with a range from 5.9% to 11.3% per yr. This is based on S&P data since 1926. Plus you control your own money all the time. The impact of this difference is huge.
@@EdfromCanada At age 71 my goal is no longer to maximize money. Income and stability is the goal. Thanks for the comment.
@@EdfromCanadaThe range is more like -36.55% (2008) to 37.2% (1995). There’s something called sequence of return risk which can be severe and can absolutely tank your portfolio if you’re relying on it for income. You don’t get a reliable linear return of 11.1% year over year. Annuities eliminate those volatility risks and they give you guaranteed returns.
@@WWIIPacificHistory I'm not talking about the variance range in annual returns. I'm talking about the equivalent compounded annual growth rate (CAGR) if you hold the money for 25 years. Take a proper look at it. Do you understand the CAGR of the S&P 500 over 25 years? It's time in the market that matters. This is how annuity companies make their money: they take your money and pay you -90% to 6.6% CAGR (depending how long you live) and invest in the S&P for 11% CAGR.