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Topic for Graded Discussion Board

 

“Discuss application of annuities in our real life. Justify your answer at least with four appropriate examples."

 

Opening Date of Graded Discussion Board: Monday, February 23, 2015 at 12:01 a.m.

Closing Date of Graded Discussion Board: Wednesday, February 25, 2015 at 11:59 p.m.




 

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“Discuss application of annuities in our real life. Justify your answer at least with four appropriate examples."

  • Annuities can help you grow your money with protection and share your wealth
  • You don’t have to pay taxes on earnings in annuities until you begin making withdrawals
  • Annuities can provide you with a guaranteed income for life

Annuities have been in existence for well over two hundred years. The very first mention of Annuities in the United States was the use of these products by the Presbyterian Church in 1740 to provide security for the clergy and widows. Annuities allow you to accumulate tax-deferred funds for retirement and then, if you desire, receive a guaranteed income (this process is called Annuitization). Common uses for annuities are as follows:

  • Safe and Secure Retirement Income

    The most common annuity contract is one that has tax deferred investment gains with the promise that the investment savings and gains will provide income in the future in the form of regular distributions. These days, human life expectancy can go well beyond the minimum retirement age, so retirees are looking for guaranteed lifetime income that is consistent, safe and secure. During the distribution period annuities can provide this assured lifetime income in the form of regular payments that do not fluctuate with the ups and downs of markets.
  • Asset Protection

    Most state and federal statutes protect annuities from civil liabilities, liens and debt claims. Many business owners and professionals, especially those that are susceptible to liability litigation, protect their wealth inside of annuities. It is important to check applicable exemption laws in your state before investing in an annuity for the purpose of asset protection.
  • Structured Settlements

    Damages awarded from legal settlements, typically from personal-injury litigation, can be awarded through a Structured Settlement Annuity. These annuities are specifically structured to replace lost income using periodic annuity payments that mimic earned-income paychecks. These types of annuities remove the burden that a one-time lump sum settlement would create on the plaintiff to properly invest the money in a manner that would replace lifelong income. Structured Settlement Annuities typically have flexible income streams rather than level payments to allow for unexpected expenses such as medical expenses.

Benefits of an Annuity

The benefits of annuities can depend largely on the type of annuity contract being discussed and some annuity contracts have different benefits than others. You can infer many of the benefits of annuities just by considering the reasons why people purchase annuities... Secure retirement income, asset protection, etc. relate directly to the benefits of annuities.

All annuities have three primary advantages: Tax Deferral, Avoidance of Probate, and a Guaranteed Income (optional) for a fixed period of time, or income for life. In addition, many annuities share common benefits such as:

  • Tax-free transfers among annuity investment types
  • Competitive interest rates compared to other investments that have similar risk
  • Stock-market linked gains without the downside risk
  • Unlike other tax-deferred investment accounts annuities, do not have an annual contribution limit
  • Annuities can be idea for estate planning since proceeds from annuities can pass directly to your beneficiaries without the delay, expense, and publicity of probate in most states.
  • Flexibility... There are several different types of annuities that can meet the unique and diverse financial goals of many investors. Many annuities have flexible withdrawal options during the disribution period.

Zain Thanks

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It some point in your life you may have had to make a series of fixed payments over a period of time - such as rent or car payments - or have received a series of payments over a period of time, such as bond coupons. These are called annuities. Annuities are essentially series of fixed payments required from you or paid to you at a specified frequency over the course of a fixed period of time. A contract from an insurance company that individuals generally use to accumulate money for their retirement on a tax-deferred basis and that guarantees a fixed or variable payment to the annuitant at some future time. The guarantee associated with annuities are based on the claims paying ability of the issuer.

word to word same as in lecture No.7

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