Latest articles by Ken Nuss
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A Key to Spending without Worry in Retirement: Longevity Insurance
annuities This special type of annuity kicks in with a reliable income stream beginning at age 80 or 85 – meaning your savings only need to get you that far, not indefinitely. That could ease your mind about spending more freely in early retirement.
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How to Beat Inflation and Reduce Risk at the Same Time
annuities Retirees and pre-retirees are vulnerable to both market losses and inflation, so what can they do? Start by splitting your savings among three buckets: Safety, Safety Plus Growth and Growth.
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Market Plunge During Early Years of Retirement Can Cause Portfolio Death Spiral
annuities Withdrawing money from a falling portfolio can be deadly for retirees. To guard against that, you might want to consider the guaranteed payments that annuities offer.
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How to Offset Lower Social Security Benefits When a Spouse Dies
annuities When one spouse dies, the other may see a big chunk of their Social Security income disappear. Joint annuities could help fill that gap.
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Is an Annuity a Good Choice for You? Questions to Ask
annuities Find out if you’re a good candidate for an annuity, and if so, which kind you might want to consider.
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Waiting for Fixed Annuity Rates to Rise Doesn’t Pay
annuities If you like the guaranteed rates and tax deferral that fixed annuities offer, but you want to wait because you’re hoping rates will improve, think again. Here’s why keeping too much in cash while you wait puts you behind … and you may never catch up.
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This Often-Overlooked Way to Fund Your Roth IRA Has Many Advantages
annuities A Roth annuity can create tax-free lifetime income during retirement or reduce your risk while saving for retirement.
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One Beneficiary Mistake You Really Don’t Want to Make
estate planning Per capita or per stirpes? Ensure fairness across generations by choosing the right annuity or life insurance distribution method for your beneficiaries.
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How Savers Can Earn More on Their Money, and Do It Safely
annuities With interest rates perpetually doing the limbo (how low can they go?), here are three different types of fixed annuities that can be good alternatives to CDs, Treasuries and money market accounts.
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Annuities Just May Be the Broccoli of Retirement Planning
annuities Deferred income annuities are good for your long-term retirement health, but most people still don’t seem to crave them. But if you want to quit worrying about running out of money in retirement, you may want to dish one up.
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Retirees with a Guaranteed Income Are Happier, Live Longer
annuities Everyone with savings can secure a lifetime income, and that goes a long way toward peace of mind in retirement.
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Review Your Finances Now to Keep on Track in 2021
retirement A year-end review helps you cut taxes, build retirement savings, rebalance your portfolio and earn more interest.
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Turned off by Low CD Rates? Consider a Fixed Annuity
annuities CD rates are under 1%, but comparable annuities can pay more than 2% to 3% guaranteed and tax-deferred.
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Remove Financial Worries from Retirement with a Do-It-Yourself Pension
annuities An annuity can yield guaranteed lifetime income — a private pension that can help you sleep at night.
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How to Pick an Indexed Annuity
annuities To help choose the right fixed indexed annuity for you, first decide which of these three main goals you have in mind. Identifying your top priority can narrow down the choices of this valuable, but sometimes complex, annuity product.
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Are Bonds Passé?
bonds Not quite, but annuities can provide more income, plus tax advantages and longevity insurance.
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Shrink Your RMDs in 2021 and Beyond
annuities QLACs are a special type of annuity that lets you cut RMDs from your IRAs next year and beyond, reduce the taxes you pay and guarantee more lifetime income in old age.
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Pension or Lump Sum? Compare Payouts and Options Before You Decide
annuities If you’re eligible for a pension, congratulations. However, you may be able to do better than just taking what you’re offered.
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Is an Immediate Annuity for You?
annuities Before buying, ask some key questions to learn exactly what you’re getting and how this type of annuity can create reliable retirement income.
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Thinking of Buying a Fixed Annuity? Ask These Questions First
retirement Of all the types of annuities out there, a fixed annuity is the one that's most straightforward. Is it the one that's right for you?
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12 Things You Didn't Know About Annuities
retirement Oftentimes when it comes to retirement, you don’t know what you don’t know. See if what you know about annuities is correct. You might be surprised.
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Shelter from the Storm: Safe, 'Boring' Financial Products Are Exciting Today
Making Your Money Last That's especially true for people in their 60s and older. Those looking to earn a little more than what's offered by U.S. Treasury bonds and CDs might want to take a look at deferred fixed annuities.
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How the SECURE Act Fits into Your Retirement Plan
retirement A couple of its key features are designed to help people save more for retirement. That's a good thing, considering that Social Security benefits may be skimpier in the future.
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Covering Your Monthly Expenses in Retirement: Estimate Them, Then Secure Your Income
retirement The best way to make sure you have enough money to last you through retirement is to focus on the income you need to support yourself, rather than the "magic number" you’d need to save.
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