April 26, 2013
Annuities are poor investments peddled heavily by investment “experts” as “guaranteed” income? Why are they so bad?
Annuities are poor investments peddled heavily by investment “experts” as “guaranteed” income? Why are they so bad?
Annuities are bad because you have to pay a high amount of fees and you have to pay a large amount to get out of the annuity.
Thomas was right. Let me elaborate on why. Financial advisors and life insurance agents love annuities because they pay them big fat commissions. Annuities are also laden with high yearly fees that usually run between 2 to 3%. They also tie your money up and getting it out will in many cases cause you to pay expensive commissions and penalties.
So why do so many people own annuities? They spend too much time talking to a financial advisor or life insurance agent! These “experts” are not necessarily experts in investing, but they are generally experts in SALES! Avoid these salesmen and you will avoid owning these crappy investments.
If you currently own an annuity you should seriously consider moving it to Vanguard (you will cut your fees by 75% or more) via a 1035 exchange, BUT you must know all of the facts before making that move. Those redemption fees and penalties must be factored in before moving the money. Contact vanguard.com and speak to an annuity specialist. It could be worth your time meaning it could be worth THOUSANDS OF DOLLARS!
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once you turn 66 in December, the answer is yes. Prior to that, if reiievcng social security benefits, then earned income OVER $34,000 will reduce your social security benefits.
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