The Truth About Buying Annuities

Avoid the retirement annuity minefield...donrs"t make an expensive, catastrophic mistake! The truth about using annuities to protect your future The truth about hidden fees that could cost you a fortune The truth about the newest types of annuitiesgood and bad Simply the best thinkinghellip;the truth and nothing but the truth This book reveals the 50 CRITICAL FACTS you must know about annuitiesbefore you buy "Steve Weisman has accomplished a feat of immense proportion by explaining one of the most complicated investment vehicles in ways that average Americans can easily understand." Robert Powell, Editor, "Retirement Weekly," MarketWatch Introduction v Truth 1 The history of annuities 1 Truth 2 Immediate annuities 5 Truth 3 Fixed rates 9 Truth 4 Deferred annuities 13 Truth 5 Annuity fees 17 Truth 6 Variable annuities 21 Truth 7 Variable annuity investment choices 25 Truth 8 Actively managing variable annuity sub-accounts 29 Truth 9 Indexed annuities 33 Truth 10 More about indexed annuities 37 Truth 11 Calculating index changes 41 Truth 12 Inflation protected annuities 45 Truth 13 Tax-sheltered annuities 49 Truth 14 Annuity settlement options 53 Truth 15 Tax deferral 57 Truth 16 Annuity risk 61 Truth 17 Annuity death benefits 66 Truth 18 Annuities and income taxes 69 Truth 19 Tax-free 1035 exchanges 73 Truth 20 Charitable gift annuities 77 Truth 21 Split annuities 81 Truth 22 Joint and survivor annuities 85 Truth 23 Shorter surrender annuities 89 Truth 24 Longevity insurance 93 Truth 25 Inheriting an annuity 97 Truth 26 Variable Annuities versus variable universal life insurance 101

Steve Weisman is Senior Lecturer at Bentley College in the department of Law, Tax, and Financial Planning. He has also taught courses on financial planning at the University of Massachusetts, Curry College, and Boston University. He is a host on the nationally syndicated radio show A Touch of Grey, heard on more than 50 stations, including NYC’s legendary WABC and KRLA Los Angeles. A member of the National Association of Elder Law Attorneys, Weisman is legal editor and columnist for Talkers Magazine and writes for publications ranging from The Boston Globe to US Air. His books include Boomer or Bust and The Truth About Avoiding Scams. Weisman has earned a Certificate of Merit for legal journalism from the American Bar Association.

Introduction	p. v
The history of annuities	p. 1
Immediate annuities	p. 5
Fixed rates	p. 9
Deferred annuities	p. 13
Annuity fees	p. 17
Variable annuities	p. 21
Variable annuity investment choices	p. 25
Actively managing variable annuity sub-accounts	p. 29
Indexed annuities	p. 33
More about indexed annuities	p. 37
Calculating index changes	p. 41
Inflation protected annuities	p. 45
Tax-sheltered annuities	p. 49
Annuity settlement options	p. 53
Tax deferral	p. 57
Annuity risk	p. 61
Annuity death benefits	p. 66
Annuities and income taxes	p. 69
Tax-free 1035 exchanges	p. 73
Charitable gift annuities	p. 77
Split annuities	p. 81
Joint and survivor annuities	p. 85
Shorter surrender annuities	p. 89
Longevity insurance	p. 93
Inheriting an annuity	p. 97
Variable Annuities versus variable universal life insurance	p. 101
Choosing between mutual funds and an annuity	p. 105
Annuities and asset allocation	p. 109
Asset allocation and laddering annuities	p. 113
Minimum required distributions	p. 117
59 frac12;	p. 121
Annuities in IRAs	p. 125
Annuities and 401(k)s	p. 129
More about annuities, IRAs, and 401(k)s	p. 133
Annuities for children	p. 137
Bonus credits	p. 141

Table of Contents provided by Publisher. All Rights Reserved.

What is included with this book?

The New copy of this book will include any supplemental materials advertised. Please check the title of the book to determine if it should include any access cards, study guides, lab manuals, CDs, etc.

The Used, Rental and eBook copies of this book are not guaranteed to include any supplemental materials. Typically, only the book itself is included. This is true even if the title states it includes any access cards, study guides, lab manuals, CDs, etc.

FREE SHIPPING

Amazon no longer offers textbook rentals. We do!

The Truth About Buying Annuities

Summary

Author Biography

Table of Contents

Supplemental Materials