Immediate Annuities Links Page    (Updated 6/23/08) Articles Immediate Annuities in Retirement Pros and Cons of Immediate Annuities Annuities: A Primer An Income Plan that's Built to Last Allocation During Retirement: Adding Annuities to the Mix (pdf) Adding a Fixed Annuity (pdf file -- article starts on page 10) Tools and Pools: Strategies for Increasing Retirement Cash Flow and Creating a Retirement Plan (pdf) A Basic Lesson in Immediate Annuities Creating a Retirement Paycheck Annuities Gain More Attention from Retirees Annuity Ladder - Part 2 (pdf) Immediate Annuities: Do-it-Yourself Pensions Lesson 7: Annuitization (pdf) Quotes www.immediateannuities.com www.annuityshopper.com Vanguard Lifetime Income Program www.brkdirect.com Ratings www.immediateannuities.com/ratings/ratings.htm Rating Scale from 4 Agencies Weiss Ratings: Strongest and Weakest Annuity Insurers Calculators and Software Retirement Probability Analyzer Software More Articles Finding Income in Retirement The Future Is Immediate Annuities The Big Income Annuity Debate Merging Asset Allocation and Longevity Insurance: An Optimal Perspective on Payout Annuities (pdf) Income Forever Tapping Your Nest Egg Should you consider an income annuity? (pdf) Making Retirement Income Last a Lifetime (pdf) Steady Flow Of Income Structuring Income for Retirement (pdf) Immediate Annuities have Portfolio Role : Return may be smaller than advertised, but still worthwhile Four Ways to Avoid Outliving Your Money New Wrinkles For Annuities : Insurers have designed features to make these policies more tempting Insuring Your Income: Immediate annuities do just that, but don't rush into a contract. The Individual Annuity: A Resource in Your Retirement (pdf) Is your annuity safe? What Happens When an Insurance Company Fails? Drop-Down List of State Guaranty Associations Life and Annuity Guaranty Associations by State Even More Articles Asset Allocation with Annuities for Retirement Income Management (pdf) Optimal Asset Allocation Towards the End of the Life Cycle: To Annuitize or Not to Annuitize? An Annuity in Every Pot The Role of Real Annuities and Indexed Bonds in an Individual Accounts Retirement Program El Toro on Annuities Buy an Annuity After Retirement? How about a Life Annuity? Life Annuities Investments or Annuity? (pdf) Building an Annuity Ladder - Part 1 (pdf) The Perfect Mix (pdf) The (Mostly) Pros and (Few) Cons of Lifetime Payout Annuities (pdf) Reducing Retirement Income Risks: The Role of Annuitization (pdf) Notes on Immediate Annuities Lifetime Financial Advice: Human Capital, Asset Allocation, and Insurance (pdf) Create a Personal Pension Lawsuit Winners Assured Payments Will Continue

More Annuity Categories Here are three more categories of annuities. Variable Immediate Annuities come with subacounts similar to mutual funds. Money placed in stock funds offer the potential of higher growth. Thus, it is possible that payments could grow at a rate higher than can be achieved by fixed immediate annuities. Longevity Annuities are a version of fixed immediate annuities that take affect at later ages. Guaranteed Minimum Withdrawal Benefit (GMWB) Annuities for Life are are a version of deferred variable annuities. This type of annuity features the lifetime guaranteed payouts of immediate fixed annuties. But unlike immediate annutities, the amount at death remaining in this deferred annuity can be inherited by one’s heirs. Variable Immediate Annuities A More Perfect Mix (pdf) Annuities and Inflation (pdf) Longevity Annuities Retirement Income You'll Never Outlive The Longevity Annuity: An Annuity for Everyone? More Dollars Later In Life Sure Income for the Very (Very) Long Haul GMWB for life Variable Annuities Variable Annuities: From Controversial to Mainstream Using a Two-Bucket Strategy, Part 1 (pdf) Variable Annuities: From Controversial to Mainstream Using a Two-Bucket Strategy, Part 2 (pdf) Annuities Special: The Right Rider (pdf) Going for GMWB (pdf) Is a Variable Annuity Right for You? Confessions of a VA Critic (pdf) Magic in Finance, Part 2: An Alternative to Living Benefits The 5% Guaranteed Minimum Withdrawal Benefit: Paying Something for Nothing? (pdf) ~~~ = Articles added on 6/23/08