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The tug-of-war between principal protection and growth is going to be more competitive as incremental yield will require added risk. Read more:https://hubs.ly/Q02SSlyP0 Written by Stephen Kates, CFP® of Annuity & RetireGuide

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At Annuity.org, our trusted experts provide clear, accurate insights on financial strategies and policies. Join our team of contributors today! https://buff.ly/4ffYEfw

It’s time to fall into your financial future! Discover the best annuity rates available this October🍃 https://buff.ly/3GLc3g9

📈 How Recent Fed Rate Hikes Impact Annuities 📉 Check out the latest article on Annuity.org, written by John Stevenson, Certified Financial Fiduciary, where he breaks down the effects of the recent Federal Reserve rate hikes on annuities. John dives into what these changes mean for annuity payouts and offers valuable insights for those planning their retirement and investment strategies. If you’re curious about how rising rates could impact your financial future, you won’t want to miss this! Read the full article here 👉 https://lnkd.in/eV_2YNXS #Annuities #InterestRates #FinancialPlanning #Retirement #AnnuityStrategies #FedRates #PersonalFinance

At Annuity.org, our trusted experts provide clear, accurate insights on financial strategies and policies. Join our team of contributors today! https://buff.ly/4ffYEfw

Record Annuity Sales Surge! LIMRA's latest report shows a 20% jump in annuity sales, hitting $216.6 billion in H1 2024, setting the stage for a record year! What does this mean? Economic Boost: Higher interest rates and market volatility fuel demand for Fixed-Rate Deferred (FRD) and Fixed Indexed Annuities (FIA). Product Growth: FIA sales surged 23% to $59.3 billion, driven by innovation. Demographic Shift: With 11,000 Americans turning 65 daily, annuities are in higher demand. Read more here: https://lnkd.in/ebqGM8ww Annuity.org sees these stats as vital to understanding the evolving annuity landscape. LIMRA is ahead of the game, providing essential data for the industry.

Annuity.org's Stephen Kates, CFP® joined Shawn Maloney on his podcast to discuss some of the underappreciated annuity strategies available to retirees. Stephen and Shawn discussed topics including risk management, the growth of annuities as a retirement income tool, and the importance of financial literacy for building and maintaining wealth. Check out the full podcast here: https://lnkd.in/epjps2_K

At Annuity.org, we know how important it is to stay up to date with the latest financial news and trends, especially when it comes to retirement planning and annuities. That’s why we’ve created a Flipboard to bring you the most relevant and timely information all in one place. 🔗 Follow us on Flipboard to get updates straight to your feed: https://lnkd.in/e7NnTiJT Stay informed. Stay empowered. #Annuities #RetirementPlanning #FinancialLiteracy #PersonalFinance #AnnuityNews #RetirementGoals #FinanceUpdates #AnnuityOrg #FinancialFreedom

The annuity puzzle… Is a well-established conundrum. One area stands out to me, defined in the excellent article linked below, "The Annuity Puzzle: What Is It & Why Should You Care?", is the idea of "irrational resistance." The authors mention three points: •      Many people prefer to keep and control wealth. •      People generally prefer lump sums of cash to streams of income. •      Few people understand annuities. I propose a modestly different path… Resistance may in fact be “rational,” in a less purely economic, and more human sense. I’ve mentioned in Schwab writing, work, and posts the behavioral finance idea from Meir Statman that I like. It’s “normal.” In other words, we can, and should, anticipate that many people prefer to keep and control wealth, they may prefer a lump sum to a stream of income (though I find this one less definitive… do people with pensions from their employers choose lump sums over the pension they didn’t buy… perhaps so, but less sure), and few people understand annuities. All of these feel accurate, common, and perhaps normal. There are others. So, what to do about it? At times it can feel a bit like arguing up a tree. I think of talking to my sons about various things. One is 14. To an analytical mind, he does many irrational things. (I suspect, so do I… including continuing to suggest that he not wear flipflops to school). Is there a better approach, more akin to Judo (grab and pull) than Karate (strike and hit)?   That feels like step 1. How to understand and address normal resistance, and tendency to (perhaps) a single path, in the face of complexity, to combinations. A predictable lifetime stream of income, in simple forms (aka SPIAs or DIAs) can help manage risks… as insurance, and pooling of risk… to help take risks elsewhere, with investments, to continue with a portion of assets ownership in a portion of economic growth, control, simplicity, and cost. This feels “normal.” And even from an economic mindset, rationale. Food for thought... adding to the wagon of excellent work from others in the article and below. Jennifer Schell Marguerita (Rita) Cheng, CFP® Stephen Kates, CFP®, Wade Pfau, Martin Baily, Ben Harris, Olivia S Mitchell, Svetlana Pashchenko, Todd Giesing, Michael Finke, David Blanchett, Bruce Brownstein #annuities #retirementincome #incomeplanning #wealthmanagement https://lnkd.in/ey_q3pKh