What is low variable annuities? Annunity have money in a fixed, but performance is low.?
The adviser on the sale of the annuity variable makes it sound too good.
Variable annuities can be very good investment or extremely poor. Each company has its own bells and whistles, while some others worth, not really. So it really depends on what provides the income and the strength of the company offering it. The positive on Variable annuities are: Most annuities are guaranteed what you put in is, they receive the initial investment regardless of market performance. Some annuities guarantee a minimum return% approximately six regardless of market performance. Annuities can be annualized revenues can give lifetime (or more) which means it can make more money than you put in. Some annuities are adjusted profit each year which means that even if the tanks which will have its capital market more profits for that year. Annuities also have their disadvantages: the annual expenses are higher than mutual funds. There are surrender charges that last 5-15 years, depending on the company. Sometimes to get the guarantees that have to annuity investment, that means you can not take a lump sum at once. (That you do not want to do anyway, taxes ..) I personally I have an annuity that has exceeded my funds no-load mutual in the last 10 years, because even in 2001, when the bottom dropped out of my stocks and mutual funds, still gave a return of 5%. If your income is still underperforming and have time to wait for termination charges to fall, an annuity can provide security with the possibility of growth. In a rising market an investment fund will provide superior performance, but in a declining market annuity is a savior. Personally I think a good idea is to divide the wealth, a fixed income, equities, mutual funds, real estate, cash, although individual stocks and bonds should play a part of your portfolio if possible. Never put all your eggs in one basket, so look hard in the rent, but still retain part of their set and look for other options at the same time.
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