Selasa, 09 April 2013

Things you need to consider when buying the best annuities

When you reach the retirement age is not only necessary to consider buying the best annuities now for your retirement income, but also in the future. Retirement may last 20 or 30 years and it is necessary to consider will have sufficient income right now to continue to live comfortably?

As for your employees?

You should also consider your employees and how they manage. You can find the best annuity for you today, but if you died how would they cope financially? It is vital to ensure that it is provided for your employees retire.

Some of the things you should consider when buying the best annuities are:-

Annuity rates. They are declining or are likely to rise in the future, is now a good time to buy annuities?
If you buy an annuity now will still be the right choice in 10 years or even 20 years time, what is the longevity of your financial solution choice?
Your employees. How you will support during retirement and what will happen to them, financially, to your death.
You need the flexibility to change your retirement income, to increase or decrease the income as life changes during retirement.
Wants absolute guarantees from your retirement income?
As you can, or want to, spend looking after investments or revise your retirement income?
How good is your health? Are you a smoker or do you take any prescribed medication that could qualify for enhanced annuity.
What happens to your money to your death?
The solution that you choose all of the above should be taken into account.

It is therefore necessary to consider the shape of the best annuities

You buy life together so your spouse may keep all or part of income after your death, or you buy the single life and maximize the income from day one. This choice will depend on whether your spouse has their own pension, if they do then this option may not be necessary.

Payment frequency

The annuity will pay a regular income, liabilities for the rest of your life. But can vary the frequency of these payments and the preferred option will depend on how to handle your finances. The most common options include monthly, quarterly, semi-annually or annually.

Enlist the help of an expert to choose the best annuities

There are so many things to consider and everything will be very confused, there will be words and jargon that have never heard of before. To make your life easier than might be the best option to seek the help and guidance of an independent financial adviser and preferably one that specializes in retirement income solutions. The consultant will go through a thorough search made by circumstances and questions about your medical history to see if you qualify for enhanced annuity that could further increase the retirement income that you will receive. After that the Advisor will make a product recommendation you feel will provide the best annuity income for your personal situation.

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