Present Value of an Annuity
นอกจากการดูบทความนี้แล้ว คุณยังสามารถดูข้อมูลที่เป็นประโยชน์อื่นๆ อีกมากมายที่เราให้ไว้ที่นี่: ดูเพิ่มเติม
This video explains how to calculate the present value of an annuity. A formula is presented for calculating the present value of an annuity and an example is used to illustrate the calculations.
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What is an Annuity and How Do Annuities Work? (Annuity, Annuities \u0026 How Annuity Works))
The video discusses the meaning of annuity, types of annuities and the way annuities works. In this video, you will understand the meaning of annuity, the stages of an annuity contract, how annuities work, the features of annuities, the advantages of buying an annuity, the practical considerations on annuities, and the types of annuities. If you find the video helpful, please give the video a thumbsup and like the video.
00:49 What is an annuity?
02:18 Stages of an annuity contract
03:15 Annuity contract terms
07:26 How annuities work
08:58 Features of annuities
10:17 Advantages of buying an annuity
11:00 Practical considerations on annuities
12:18 Types of annuities
17:05 Categorization of annuities
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Annuities in Retirement: Pros and Cons – Should You Buy an Annuity?
Is a fixed annuity or a variable annuity a good investment for generating a retirement income stream? In this video, Matt Horsley, CFP®, Senior Financial Planner with Pure Financial Advisors, explores the pros and cons of investing in annuities in retirement as a part of your retirement income plan.
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5 Reason Not To Buy An Annuity
Annuities may not be for everyone. Here are 5 reasons not to buy an annuity. Part of a series on annuities, check out the other videos on our playlist here,
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Today I’m going to be talking about what I believe to be The Top Five Reasons Why You Should NOT Buy An Annuity.
This video is part of a series I put together where I’m talking all about annuities. If you’re watching this on our YouTube channel, it should be part of a play list, where there’s about four or five videos that are intended to educate you about annuities, to help clear up and clarify some confusion that you might have about annuities and help give you the right education to ask the right questions about an annuity that you own or an annuity that you’re thinking about buying.
The first one is their age and this falls into two categories. Either somebody is too young or too old. Most annuities really cannot be issued much past age 80, and there’s a good reason for that, too. I think, as somebody gets older in years, their need for some of the things that the annuity may do for them really diminishes. I think one of the primary reasons that a lot of people think about buying an annuity is because they want some type of an income guarantee. And, that’s usually something that we think about setting up for somebody as they’re approaching retirement or early in retirement because they can get long term benefits of whatever that guaranteed income stream may be. So, if you’re too old, it may not be appropriate for you to look at an annuity. On the opposite end of the spectrum if you’re young, maybe something that you don’t want to consider as well. Usually people that are, say, under 50 years old that have 10 years or more to retirement, they’re still in the accumulation mode, they’re still in growth mode with their investments typically and an annuity is probably not going to grow nearly to the extent that some other investment alternatives are going to grow at. Some annuities can be expensive, and it’s hard to justify getting into an annuity at an early age with some of those higher expenses and not, offering the same kind of growth potential that other investments can offer. So, if you’re too young, you may not want to look at an annuity as well.
Number two is liquidity issues. If you’re thinking about buying an annuity, this really is intended to be a long term investment vehicle. This is not money that you think you’re going to need or want to take out in any significant way any time, really, in the next 10 years, probably. Most of these annuities, are meant to be lifetime investments, and some things change, maybe, something better comes along or whatever, and people do change them, but you really want to go into it with the intention that this is something that you may keep, really, for the rest of your life. Liquidity is a big factor. Most annuities have some penalties for taking your money out early. Some of those penalties can be pretty significant. Probably the most common time requirement to keep an annuity is probably seven years. Some are a little shorter, some are a little bit longer.
Number three is related to what we talked about with the younger individual, but, you’re still in growth mode If you’re still anticipating that your account is going to grow at a decent rate, similar to the stock market or to what other investments may offer, an annuity is probably not going to be for you. You’re probably going to be disappointed with the returns, because, again, an annuity is intended to be a safer part, potentially, of your retirement portfolio.
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