An impartial review of the Security Benefit Total Value Annuity

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase.

Today I will dig deep into an indexed annuity which has been booming in popularity in recent years. Sales of indexed annuities, a fixed annuity that provides a minimum guaranteed rate of interest combined with an interest rate tied to movement of an index, increased to $39.3 billion in 2013, a 17% gain year over year. This is the biggest percentage increase of any form of annuity.

An impartial review of the Pacific Life Variable Annuity

Warning: this is an in-depth review of the Pacific Choice Variable Annuity. Many annuity critics point to complexity as being a major negative for this asset class and Pacific Life doesn't dispel this criticism. The prospectus totals a voluminous 132 pages. So buckle up and let's dig in.

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase.

10 Things The SEC Wants You to Know About Variable Annuities

The US Securities and Exchange Commission ("SEC") provides several resources to help educate investors about the complex product of variable annuities. In fact, the SEC's Office of Investor Education and Advocacy recently published an Investor Bulletin entitled Variable Annuities—An Introduction. If you are thinking about purchasing an annuity, I encourage you to read the bulletin in its entirety as well as thoroughly read Variable Annuities: What You Should Know.

An impartial review of the Transamerica Variable Annuity X-Shares with Retirement Income Max Rider

Warning: this is an in-depth review of the Transamerica Variable Annuities series. Many annuity critics point to complexity as being a major negative for this asset class and Transamerica doesn't dispel this criticism. The prospectus totals a massive 480 pages which is longer than any of the first three Harry Potter books. So buckle up and let's dig in.

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase.

Angry variable annuity owners seek restitution

As stock market indices hit historic highs, one would think variable annuity owners are also riding the wave of euphoria. However, this isn't the case as complaints are gaining in relative volume and regulators are aware of a mounting crisis.

According to the Wall Street Journal's Matthias Rieker, in 2012, the variable annuity was the only class of security for which arbitration claims increased with 220 cases filed, based on data from the Financial Industry Regulatory Authority (Finra). Last year, through November, 165 cases were filed which represented a 20% decline from the same period 2012; however stock and mutual fund cases dropped at a faster rate.

An impartial review of the Prudential Defined Income Variable Annuity

The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase.

IMPORTANT DISCLOSURE INFORMATION

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Runnymede Capital Management, Inc.), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Runnymede Capital Management, Inc. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Runnymede Capital Management, Inc. is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of Runnymede Capital Management, Inc.’s current written disclosure statement discussing our advisory services and fees is available for review upon request.