- ホーム
- > 洋書
- > 英文書
- > Business / Economics
Full Description
Annuities have become one of the most popular ways to save for retirement and also one of the most misunderstood, overhyped, and dangerous investment vehicles available today. Some annuities are worth the money... but too many are flawed, overpriced, and packed with hidden fees that make them absolutely horrible investments. In The Truth About Buying Annuities, consumer finance expert Steven Weisman helps you make smart decisions about annuities and avoid the lies, misrepresentations, and ripoffs that await uninformed investors. From start to finish, Weisman delivers quick, bite-size, just-the-facts information and plain-English explanations you can actually use. You'll learn all you need to know about immediate, deferred, and variable annuities; actively-managed vs. indexed annuities; inflation-protected and tax-sheltered annuities; and more. Weisman explains the impact of annuities on taxes, Medicare, Medicaid, long-term care, and your other retirement plans. He presents crucial, hard-to-find information about death benefits, joint and survivor annuities, alternatives to annuities, assessing annuity risk, avoiding scams, and even how to escape from a bad annuity you've already purchased. Unlike some books on annuities, this one's simple to read, simple to use, up-to-date, and complete: it's the only annuity guide you need!
Contents
Introduction vTruth 1 The history of annuities 1Truth 2 Immediate annuities 5Truth 3 Fixed rates 9Truth 4 Deferred annuities 13Truth 5 Annuity fees 17Truth 6 Variable annuities 21Truth 7 Variable annuity investment choices 25Truth 8 Actively managing variable annuity sub-accounts 29Truth 9 Indexed annuities 33Truth 10 More about indexed annuities 37Truth 11 Calculating index changes 41Truth 12 Inflation protected annuities 45Truth 13 Tax-sheltered annuities 49Truth 14 Annuity settlement options 53Truth 15 Tax deferral 57Truth 16 Annuity risk 61Truth 17 Annuity death benefits 66Truth 18 Annuities and income taxes 69Truth 19 Tax-free 1035 exchanges 73Truth 20 Charitable gift annuities 77Truth 21 Split annuities 81Truth 22 Joint and survivor annuities 85Truth 23 Shorter surrender annuities 89Truth 24 Longevity insurance 93Truth 25 Inheriting an annuity 97Truth 26 Variable Annuities versus variable universal life insurance 101Truth 27 Choosing between mutual funds and an annuity 105Truth 28 Annuities and asset allocation 109Truth 29 Asset allocation and laddering annuities 113Truth 30 Minimum required distributions 117Truth 31 59 1/2 121Truth 32 Annuities in IRAs 125Truth 33 Annuities and 401(k)s 129Truth 34 More about annuities, IRAs, and 401(k)s 133Truth 35 Annuities for children 137Truth 36 Bonus credits 141Truth 37 The Pension Protection Act, annuities, and long-term care 145Truth 38 Annuities and Medicaid 149Truth 39 Annuities and reverse mortgages 153Truth 40 State Guaranty laws 157Truth 41 Annuities and creditor protection 161Truth 42 Getting out of an annuity 165Truth 43 Annuity scams and senior citizens 169Truth 44 Annuities and class actions 173Truth 45 Prospectuses and annuities 177Truth 46 Free looks 181Truth 47 For whom annuities are best 185Truth 48 Steve's annuity rules part one 189Truth 49 Steve's annuity rules part two 193Truth 50 Where to go for Information 197About the Author 201
