Steven Hart - Articles

Differences Between a Fixed and Equity Annuity

When considering the difference between a fixed and equity annuity, investors should remember that equity annuities, also called equity-indexed annuities, ARE fixed annuities. Both the fixed and equity annuity are designed for conservative investors, but equity annuities can provide potentially higher rates of return than traditional fixed annuities. Read

By: Steven Hart | 09/01/2009 | Investing

Equity Annuities: Managing Retirement Risk

Equity annuities offer a good avenue for managing retirement risk because they provide the potential for a good return without the potential losses of principal associated with traditional investments. Equity annuities invest most of their premiums into a fixed annuity, with the rest placed in several equity-index call options. Read

By: Steven Hart | 07/01/2009 | Personal Finance

Annuities Vs Cds

Deciding between fixed rate annuities and CDs can be a tough choice. Find out how tax deferral, inherent to fixed rate annuities, might far out weigh short-term CD benefits for retirement income growth. Read

By: Steven Hart | 01/01/2009 | Insurance

Fixed Rate Vs. Variable Annuities

Annuities have you confused? Fixed, Variable, Indexed, Immediate, Deferred... With so many options to choose from, which one is right for you? This article examines the differences between Fixed Rate and Variable Annuities. Read

By: Steven Hart | 24/10/2008 | Insurance