Goldstone Financial Group gives you advice on which type of investment is better for your retirement portfolio. Fixed annuities and bonds are different in their yields, liquidity and risk.
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Fixed annuities vs. bonds: which are better for retirement?
1. G O L D S T O N E F I N A N C I A L G R O U P
F I X E D A N N U I T I E S
V S . B O N D S
2. 6 4 % o f A m e r i c a n s s a y t h e y
a r e m o d e r a t e l y o r v e r y
w o r r i e d a b o u t h a v i n g e n o u g h
m o n e y i n r e t i r e m e n t . I n f a c t ,
t h e y ’ r e m o r e w o r r i e d a b o u t
r e t i r e m e n t t h a n y e a r l y
m e d i c a l b i l l s .
T w o p r o d u c t s y o u m a y
d e c i d e b e t w e e n a r e f i x e d
a n n u i t i e s a n d b o n d s . L e t ’ s
t a k e a l o o k a t w h i c h i s
b e t t e r .
Y O U ' R E
N O T
A L O N E
3. U s u a l l y p u r c h a s e d f r o m l i f e
i n s u r a n c e c o m p a n i e s , f i x e d
a n n u i t i e s p r o v i d e o w n e r s
w i t h l i f e t i m e i n c o m e .
C o m p a n i e s p r o v i d e a f i x e d
i n t e r e s t r a t e i n e x c h a n g e f o r
a l u m p s u m o f c a p i t a l .
F I X E D
A N N U I T I E S
B o n d s , w h i c h a r e p u r c h a s e d
f r o m m u n i c i p a l i t i e s ,
g o v e r n m e n t s , o r
c o r p o r a t i o n s , a r e d e b t
s e c u r i t i e s i n w h i c h a f i x e d
r a t e o f i n t e r e s t i s p a i d t o t h e
l e n d e r .
B O N D S
5. S E R V I C E S
[ H I D D E N ]
F E E S
L I Q U I D I T Y
R I S K A N D
S E C U R I T Y
Though fixed annuities typically come with
lower fees (less than 1%) than variable
annuities, fees for annuities are still high.
Bonds are popular for their lower fees.
Based on your age and timeline for needing
retirement money, liquidity may be a factor. Most
annuities have a surrender term, usually spanning
anywhere from 3–10 years. Most experts
recommend that you wait until maturity to access
your bond investment.
When it comes to risk and security, bonds are
seen as a way to preserve capital and earn a
predictable rate of return. During any financial
crisis, investors from all over the world buy U.S.
Treasury Bonds, which are seen as a safe haven
during tough times.
6. Thankyou.
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Original story: GoldstoneFinancialGroup.net