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Annuities For Dummies

توضیحات

Use annuities to build your own pension

Will annuities work for you? Get the nitty-gritty on these financial tools

Are you a baby boomer who's about to retire? Are you concerned about your financial future? Relax. This plain-English guide will walk you through the ins and outs of using annuities to fund your retirement years. Find out what annuities are, whether they're the right financial vehicle for you, and which of the many options might have your name on it.

Discover how to:

  • Make sense of annuities

  • Weigh all the pros and cons

  • Figure out how much money to commit

  • Create an income you can't outlive

  • Avoid common annuity pitfalls


Kerry Pechter is the senior editor of Annuity Market News. As a reporter who writes about annuities and the annuity industry full-time and as a former marketing writer who specialized in annuities at The Vanguard Group, he brings both an outsider’s and an insider’s perspective to the writing of this book.
A financial journalist for many years, Kerry has written for the New York Times, the Wall Street Journal, the Los Angeles Times, and many other national and regional publications. His previous books include two career guides, A Big Splash in a Small Pond: How to Get a Job in a Small Company (Fireside) and An Engineer’s Guide to Lifelong Employability (IEEE). He is a graduate of Kenyon College.
Introduction.

Part I: Annuities: A Blend of Insurance and Investment.

Chapter 1: Making Sense of Annuities.

Chapter 2: Using Annuities to Meet Retirement Challenges.

Chapter 3: Dissecting an Annuity.

Chapter 4: Weighing the Pros and Cons of Annuities.

Chapter 5: Deciding Whether an Annuity Is Right for You.

Part II: Identifying the Main Types of Annuities.

Chapter 6: Saving with Fixed Annuities.

Chapter 7: Experimenting with Index Annuities.

Chapter 8: Meeting the New Generationof Variable Annuities (VAs).

Chapter 9: Financing Your Retirement with an Income Annuity.

Chapter 10: Aging Gracefully with an ALDA.

Part III: Making the Most of Your Annuity.

Chapter 11: Structuring Your Annuity Correctly.

Chapter 12: Optimizing Your Variable Annuity (VA) Investments.

Chapter 13: Accessing, Escaping from, or Converting Your Annuity.

Chapter 14: The Taxing Side of Annuities.

Part IV: Navigating the Annuity Superstore.

Chapter 15: Getting Creative with Annuities.

Chapter 16: Going to Meet the (Sales) Representative.

Chapter 17: Avoiding Annuity Pitfalls.

Part V: The Part of Tens.

Chapter 18: Ten Essential Annuity Expressions.

Chapter 19: Ten Questions to Ask Before You Sign a Contract.

Chapter 20: Ten Factors that Determine Longevity.

Chapter 21: Ten Web Sources for More Annuity Information.

Appendix A: Key Research Sources.

Appendix B: Protection from Insurer Default.

Appendix C: General Rule for Pensions and Annuities.

Glossary.

Index.