c***0
发帖数: 449 | 1 Eligibility is a bit more permissive than has been indicated.
Here's the language re IRAs:
Am I eligible to open an Investment Solutions IRA?
You are eligible to open an Investment Solutions IRA if you meet one or more
of the following requirements:
You’re currently an employee or trustee of an institution eligible for TIAA
-CREF retirement plans including all nonprofit institutions and government
entities organized in the United States.
You’re over 55, retired, and have worked for an eligible i... 阅读全帖 |
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s*******1
发帖数: 188 | 2 Generally annuity is purchased by after tax money. Then it works like Roth
IRA. But in your case, you are using money from traditional IRA. Your
annuity, if designed properly, becomes qualified annuity. And the IRA terms
will governs and trump annuity terms. In addition, if you rollover, you are
in effect selling your annuity rather than letting its tax deferred
accumulation to continue its function. Annuity is designed to provide
constant stream of income for life or until it expires, not for ... 阅读全帖 |
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w*****i
发帖数: 57 | 3 目前很多保险公司包括 Prudential， Lincoln Financial， AXA， MassMutual 等一
些保险公司的index Annuity 都能达到这个6%的增长。
所不同的是每个保险公司的合约中的收费和合约期是不一样的。
打个比方某家的index annuity的收费每年2.3%, 成长为6%，合约期为15年。Max
withdraw rate 4%，取出后本金停止成长。
这样实际成长为3.7%每年，15年内不能取出，十年内如果取出会有罚金。十年后每年最
多从合约的本金中取出4%的钱，当取钱的时候账户中的本金将停止以每年3.7%的速度成
长。
这些都会在合约中有显示。
要注意的几点是合约费用包括每年的管理费+各种rider的费用。算出实际成长。合约期
从放进钱开始过多久才能取出，取出时一年最多能拿多少%。取出后本金是否还会再成
长。这些问题。
另外要多比较几家保险公司的offer, 找出实际成长较高的，合约期（从放钱进去到取
出的时间)较短的。 取出时一次可以取出较多的%,和取出时本金还能继续成长的这类的
Annuity。
另外，Annuity （Tax Def... 阅读全帖 |
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f**********d
发帖数: 47 | 4 Blackrose,
I think you should be fine with either of those offers.
1. You had a little bit concern about the stock market going down would drag
down annuity business. I am assuming you are talking about the variable
annuity product line. I think part of the reason that annuity business grow
very fast in your company is because more retirement planning need to
purchase annuity. Regardless of the stock market performance, folks are
still gonna purchase annuity (maybe backed back more conservative |
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a*****b
发帖数: 2789 | 5 annuity算是life insurance的一种，个人认为是self-funded（当然不是自己管理
asset，要么是insurance company要么是asset management firm)的复杂pension版本,
payout比pension灵活，VA的话还有很多rider，行内的人都说像fashion show一样一两
年内就淘汰一批出一批新的。annuity算是比较新的产品，各个大保险公司都在竞争市
场，开发产品，建立不同的模型，所以有不少发展潜力。pension可以看成是employer
funded的fixed annuity，当然也有其他payout方式。pension属于retirement plan的
一种，现在还有dc（又包括很多子类）和hybrid plan等等。做DC的话就不是走精算的路了，可以参见ASPPA的网站。
说pension不好是因为pension很成熟，都几十年的东西了，修补很少（虽然06年有PPA
），个人发挥余地很少。pension还有个问题是大公司都在把pension逐渐转成其他
retirement plan，比如401之类... 阅读全帖 |
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f*******g
发帖数: 86 | 6 retirement plans是指退休福利计划.一般是分两种:DB(DEFINE BENEFIT,有时也叫它
PENSION PLAN).是说你的退休金是根据你工做年限和工资的一个公试定好了.该拿多少
钱是定好的. 需要精算人员做一些ASSUMPTIONS. CONTRIBUTION 是不定的,
CONTRIBUTION被放到一个POOL里(没有个人ACCOUNT),CONTRIBUTION投资出去.当员工退
修时, 必须保证POOL里的钱够PAY BENEFITS. 如果不够,雇主要加大CONTRIBUTIONS.风
险在雇主这边.
另一种是DC(DEFINE CONTRIBUTION,也叫SAVINGS PLAN,401K,403B 啥的), 每一个员工
都有一个个人ACCOUNT.每月的CONTRIBUTIONS是固定的, 投资出去, ,退休时如果
ACCOUNT里有钱,就有退休金拿,赔光了就没钱拿.雇员承担风险. 不需要精算.所谓的
PENSION 死了是指现在没公司有DB了,都转DC了.精算也就不需要太多了.
ANNUITY 是保险产品.和RETIREMENT PLAN 区... 阅读全帖 |
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a*****b
发帖数: 2789 | 7 annuity算是life insurance的一种，个人认为是self-funded（当然不是自己管理
asset，要么是insurance company要么是asset management firm)的复杂pension版本,
payout比pension灵活，VA的话还有很多rider，行内的人都说像fashion show一样一两
年内就淘汰一批出一批新的。annuity算是比较新的产品，各个大保险公司都在竞争市
场，开发产品，建立不同的模型，所以有不少发展潜力。pension可以看成是employer
funded的fixed annuity，当然也有其他payout方式。pension属于retirement plan的
一种，现在还有dc（又包括很多子类）和hybrid plan等等。做DC的话就不是走精算的路了，可以参见ASPPA的网站。
说pension不好是因为pension很成熟，都几十年的东西了，修补很少（虽然06年有PPA
），个人发挥余地很少。pension还有个问题是大公司都在把pension逐渐转成其他
retirement plan，比如401之类... 阅读全帖 |
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f*******g
发帖数: 86 | 8 retirement plans是指退休福利计划.一般是分两种:DB(DEFINE BENEFIT,有时也叫它
PENSION PLAN).是说你的退休金是根据你工做年限和工资的一个公试定好了.该拿多少
钱是定好的. 需要精算人员做一些ASSUMPTIONS. CONTRIBUTION 是不定的,
CONTRIBUTION被放到一个POOL里(没有个人ACCOUNT),CONTRIBUTION投资出去.当员工退
修时, 必须保证POOL里的钱够PAY BENEFITS. 如果不够,雇主要加大CONTRIBUTIONS.风
险在雇主这边.
另一种是DC(DEFINE CONTRIBUTION,也叫SAVINGS PLAN,401K,403B 啥的), 每一个员工
都有一个个人ACCOUNT.每月的CONTRIBUTIONS是固定的, 投资出去, ,退休时如果
ACCOUNT里有钱,就有退休金拿,赔光了就没钱拿.雇员承担风险. 不需要精算.所谓的
PENSION 死了是指现在没公司有DB了,都转DC了.精算也就不需要太多了.
ANNUITY 是保险产品.和RETIREMENT PLAN 区... 阅读全帖 |
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a*****b
发帖数: 2789 | 9 请发pm或者[email protected]
/* */
谢谢
The job responsibilities are as follows:
· Learn Prudential’s Required Capital frameworks and how to apply them
for the Annuities business
· Learn the Prudential Annuities in house modeling platform. Run models
to help evaluate new internal and potential Federal (SIFI) capital
frameworks. Assist with ad hoc analyses and projects.
· Produce capital projections to support the Annuities quarterly
forecasting process. Provide the necessary explanati... 阅读全帖 |
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K****D
发帖数: 30533 | 10 Please read the definition of index annuity.
http://en.wikipedia.org/wiki/Equity-indexed_annuity
"An equity index annuity in the United States is a type of tax-deferred
annuity whose credited interest is linked to an equity index --SEE EXAMPLE
HERE>>[1], and typically uses the S&P 500 or international index. It
guarantees a minimum interest rate (typically between 1% and 3%) if held to
the end of the surrender term and protects against a loss of principal. An
equity index annuity is a contract w |
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l******e
发帖数: 60 | 12 VA本身就只适合少数人,annuity的存在并不是因为他是一种投资工具，而是他的tax-
deferred的特点。很多人IRA到上限了才去买annuity的，我觉得把annuity理解成一种
non-qualified IRA更合适一些。annuity更像是一种介于保险和IRA之间的一种账户，
你拿它更ETF和MF比那肯定不行了 |
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l******e
发帖数: 60 | 13 VA本身就只适合少数人,annuity的存在并不是因为他是一种投资工具，而是他的tax-
deferred的特点。很多人IRA到上限了才去买annuity的，我觉得把annuity理解成一种
non-qualified IRA更合适一些。annuity更像是一种介于保险和IRA之间的一种账户，
你拿它更ETF和MF比那肯定不行了 |
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c********1
发帖数: 5269 | 14 噢 不同的人有不同的需要
上个月有人拉我研究annuity, 卖annuity...
annuity就是花钱买[收入保险],
以后每年有固定的收入
我帮你去了解一下
如果不合算,就不要买
我周日先了解一下,周未再做深入研究...
买annuity问题的关键.
#1 可靠吗(会被骗吗)?
#2 买合算吗? |
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b********8
发帖数: 3 | 15 I am very lucky to have two offers. One is in annuity and one is in health.
I have troubles to decide which one I should take. I appreciate if anybody
here may give me some opinion for reference.
Here is some background info.
I have some life/annuity experience.
The annuity offer is from a big public traded company. The annuity actuarial
division grows very fast in past 3 years. It starts from 20-30 people and
now it's over 100 now. I am a little concerned the future downsizing if
stock market g |
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m****6
发帖数: 8689 | 16 听人介绍说是投资在保险公司，match一样的本金，然后利率7-8%的一个理财计划。下
面有政府关于此项目的定义和税收方面的问题解释。具体是想买哪家的，与具体的保险
公司谈的。说是几乎每个保险公司都有这个投资项目。比如ING, 存进去多少，立马本
金变双倍，然后利率8%。
不知道这个版上有人参与过这个计划吗?具体的细节，比如投入多少，多长年限，给付
多少之类的。
http://www.sec.gov/answers/annuity.htm
An annuity is a contract between you and an insurance company, under which
you make a lump-sum payment or series of payments. In return, the insurer
agrees to make periodic payments to you beginning immediately or at some
future date. Annuities typically offer tax-deferred growt |
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p********w
发帖数: 90 | 17 疑问：TIAA retirement annuity说annualized performance 5.79% for 10 years
退休金TIAA里的TIAA traditional annuity
但是我觉得不可能呀。
TIAA retirement annuity是个guarantee account,回报率是guaranteed return +
additional return.
有个图标画出半年的accumating stage total rate return，是3%-5%左右，大多数在4
%徘徊。
计算有错误呀？？？ |
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r****m
发帖数: 1204 | 18 是的。
Plus, some other things to consider:
a) 很多index funds (ETFs)是非常tax efficient的
b) Other than the variable annuity expenses, each fund's expense remains,
and it could be higher if you buy the funds on your own outside of the
annuity
c) You could lose money with a variable annuity
d) If you lose money, you can deduct with other capital gains for tax
purposes
You should do an Excel-based comparison with different scenarios before
selecting which option to pursue, don't just qualitatively focus o... 阅读全帖 |
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s*******d
发帖数: 17566 | 20 如果你的目的是为了Tax Deferral， 你不应该拿IRA的钱去买。买Annuity 的一个目的
就是为了Tax Deferral，因为你买Annuity是为了退休后有一个固定的额外收入，来补
充你其他的收入，但这部分在拿的时候是要交税的，但是你那个时候可能税率会低一些
。Annuity平时累积的红利是暂时不用交税的，这个和你存 Roth IRA是一个道理。 |
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K****D
发帖数: 30533 | 21 Today on the radio one guy called in and proposed a way to beat 10 year
index annuity. I think it makes sense.
Put 60% of your money in a 5.5% 10-year CD, it will become 100% after 10
years.
Put the rest 40% into index ETF. It will become something above 0% after
10 years.
Therefore, the total is guaranteed to be above 100%. The benefit is that
you'll save a bunch on fees and get the same benefit of an annuity. |
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f****t
发帖数: 1063 | 22 not sure I understand. Why do you consider only index annuity? I think some good annuity can average about 5-6% (guaranted). If the 40% equity is gone (or a big loss), how can you beat the 100% with 5-
6% return? |
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b****e
发帖数: 39 | 23 投资菜鸟想给家人选个比较好的annuity，请问大家能否介绍一下。
另外annuity是不是没有FDIC的担保啊？那样是不是会倒掉？
多谢。 |
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s*****1
发帖数: 430 | 25 是羊毛出在羊身上
CREDIT INTEREST也不高，3到4%左右
好处是DEFERRED TAX
还有就是如果某人觉得自己能比平均水平活的长的话
ANNUITY还是一个不错的选择的
ANNUITY很多是卖给花钱没概念的老美的
那样他们就知道了：（比如说啊）这个东东能够在我70岁以后每个月给我700块钱直到
见上帝 |
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X****r
发帖数: 3557 | 26 Annuity is an insurance. It insures against the risk that you outlive your
money. If you don't think you'll have such risk, you don't need annuity. |
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d******g
发帖数: 36 | 27 你的这个annuity是哪个公司的？是fixed的还是variable的？你现在多少岁？
如果65岁取，是能取多少？它有没有surround period?这些都是要注意的问题。
BTW: annuity is not insurance. 你不需要做体检。 |
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s*****n
发帖数: 2174 | 28 annuity 本质是和 life insurance 相反的东西。
买life insurance， 你的损失是小额大概率，保险公司的损失是大额小概率。你活的
越短， 收益越大。
买annuity， 你的获得是小额大概率， 保险公司的获得是大额小概率。你活的越长，
收益越大。 |
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r****m
发帖数: 1204 | 30 我就简单地说几个重点吧:
1. High expense, each and every year until your money is gone.
Two types of expenses:
a). Variable Annuity specific fees, typically minimum 2%.
b). Fund expenses. One of the selling points of VA is it provides a lot
more choices than 401(K)'s choices, which is correct, but the Funds'
expenses are typically jacked up when they are included in Variable Annuity.
(e.g. if you buy Fund xxx directly from Fidelity, expense is 0.5%; now
this Fund is included in this VA product as a "nice... 阅读全帖 |
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r****m
发帖数: 1204 | 31 我就简单地说几个重点吧:
1. High expense, each and every year until your money is gone.
Two types of expenses:
a). Variable Annuity specific fees, typically minimum 2%.
b). Fund expenses. One of the selling points of VA is it provides a lot
more choices than 401(K)'s choices, which is correct, but the Funds'
expenses are typically jacked up when they are included in Variable Annuity.
(e.g. if you buy Fund xxx directly from Fidelity, expense is 0.5%; now
this Fund is included in this VA product as a "nice... 阅读全帖 |
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c*******e
发帖数: 5818 | 32 刚看到老帖，很受教育，顶一下，
还请问，我现在的 403b 退休账号就是 个 variable annuity 性质的，的确发现，买
funds时，fee要多 1%，那么是不是应该赶快 转成 MF 性质的。
Annuity.
annual |
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s*******e
发帖数: 257 | 33 我现在在考虑taxable account的investment，放在普通taxable account里面每年会被
tax。不知道有没有人清楚vanguard variable annuity？尤其是这个Tax-deferred
retirement savings with the Vanguard Variable Annuity：after-tax的钱投资，然
后tax-deferred。虽然投资的选择上有限制，只能选vanguard的一些portfolio，不过
对于投资外行来说，可能区别也不大。还有一个缺点是expense ratio在0.5%到0.7%左
右，比普通index fund高。请问大家对此有什么建议？谢谢！ |
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b****b
发帖数: 199 | 34 【 以下文字转载自 Investment 讨论区 】
发信人: bibbub (道成肉身), 信区: Investment
标 题: about annuities: I LMAO when reading this article
发信站: BBS 未名空间站 (Sun Sep 11 23:18:48 2005)
It's hilarious and you should read.
I read this article on the Forbes magazine and LMAO and can't wait to share
with you guys. I find the online version and now enjoy.
It's not perfectly right saying that "The only ones benefiting from deferred
annuities are the insurance companies issuing them and the sales reps selling
them", because I |
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发帖数: 1 | 35 年金可以是退休计划的一个很好补充，因为一个符合退休延税条件的(qualified plans
)年金除了具有和IRA或401K一样的延税增长潜力外，还可以通过保底锁利的功能，提供
退休后一份可靠的终身收入(guaranteed income)。 许多年金，因为有保底锁利的设计
，不会因股票市场的崩盘而缩水，有的还能提供身故赔偿，可让你在身后将财富转移给
你指定的受益人。如果你希望有机会进行积累，但又不想冒市场损失风险，那么固定指
数年金（Fixed Index Annuity）会是一个不错的选择。
一、用IRA或401K里的钱购买年金需要上税吗?
用IRA或401K里的钱来购买年金是不用缴税的，但将来从年金里往外取钱时，取的钱属
于应税收入(taxable income)，需要上税。用IRA，401K，403B或一次性支付养老金(
lump sum pension payment)来购买保险公司的年金是不用缴税的。当用IRA或401K资金
购买年金时，提供年金的保险公司会为你建立了一个符合退休延税条件的IRA年金账户
，这样你日后还可直接存入其他退休基金。你目前的雇主也可将你的401K... 阅读全帖 |
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c********1
发帖数: 5269 | 38 本人认为,买稳定,high dividend的etf或股票
胜过 买annuity
可看看reit.
social security 是最好的annuity
如果预期长寿,可到70才开始领 |
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m*********D
发帖数: 1727 | 39 好吧，我来讲吧。
annuity简单地说，就是一种保证你到死还有固定数目的经济来源的保险。决定你的经
济来源（收入）的多少的因素有几个：1。买保险投入的数量，投入越多，自然收入也
越高。2。开始拿这个收入的年龄。保险公司是按人的平均寿命来计算的。人的平均寿
命是有统计数据的，所以开始拿的年龄越年青，拿的时间（每月发的话，就是次数越多
）越长，每次拿的数量就越少。3。利息高低。投入的钱，保险公司是拿出投资，自然
有回报。但保险公司也要赚钱，还要保证你的收入。所以，保险公司有自己的计算方式
，会有一个利息作为计算因素来决定你每次拿多少的。
有了这个计算框架，就知道：1。保险公司是一个pool,所以，有的人活得长，就会占那
些活得短的人的便宜，和汽车保险一样，不出事你就“白交”保险费一样的逻辑。2。
保险公司既然是统计数据作计算的依据，pool越大越好。3。保险公司要拿钱去投资的
，会有风险。所以，找老牌的，公司大的等等会让人放心。另外，政府对这类公司是有
管理的条例的，投资不能乱来，所以，也别睡不着觉。
投保的方式越来越多。传统的方式是一次性把钱放进去，马上就可以拿每月该得的那部
分“收入... 阅读全帖 |
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b********8
发帖数: 3 | 40 Thanks a lot for all the replies.
The Annuity position is a full time position whereas the health position is
a student position. They all have the exam support but the full time one
doesn't have too much time support. I don't have ASA yet.
By the way people told me that annuity actuaries have lots of stress due to
the work itself. Thus there are always conflicts potential there.......
Any comments? |
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b****b
发帖数: 199 | 41 It's hilarious and you should read.
I read this article on the Forbes maganzine and LMAO and can't wait to share
with you guys. I find the online version and now enjoy.
It's not perfectly right saying that "The only ones benefiting from deferred
annuities are the insurance companies issuing them and the sales reps selling
them", because I know another type of person that also might benefit it--Those
who stucked in VUL policy payments and lose a lot of money, and want to get
out. By transfering t |
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o****3
发帖数: 5100 | 42 I need to look into this, it is on fidelity homepage.
Tax-Deferred Fixed Annuities |
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f****t
发帖数: 1063 | 43 so where to nest the annuity safely?? |
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K****D
发帖数: 30533 | 44 Why not 4.65% 5-year CD now and another 5-year CD later?
Actually according to the radio host (Ray Lucia), the scheme that guy
proposed is exactly what index annuities do. They just charge you fee
for doing that because they need to feed themselves and also need to
buy insurance (so they can get a good name and attract more people to
buy). |
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t*******d
发帖数: 2570 | 45 Other than the fees, they can also provide you cash in regular intervals due
to their pool of money. Your home made "annuity" may have the same return
for 10 years, it does not have the flexibility of getting cash every month
if you throw 60% in a 5 year CD. You cannot take any of that part out during
the 5 years without losing the interest. |
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s*******d
发帖数: 126 | 46 I have not bought annuity but I did glance over some reading materials on
this stuff once. My general impression is that there are a lot of gray areas
and fees and what not often eat into your profit. Conceptually it is a
simple product - the insurance company trades risks and unknowns, such as
your death time, with you. But once they start to pile on different
conditions and restrictions, I'd be skeptical. You really should read all
the fine prints and understand how you are being charged (how |
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S******n
发帖数: 617 | 47 no,no,no, ALL annuity insurance companies are fucked up big time.
And Turbo-tax-Timmy doesn't have enough $$ to bail them out. |
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h****d
发帖数: 358 | 48 Thanks for your suggestion. Some advisers think fixed annuity is a good
product since they are simple, carry little risk while provide tax-deferred
income. And they are protected (kinda of insured) by the state government.
areas
is |
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a*******i
发帖数: 11664 | 49 just curious, how old are you? You really need an annuity? |
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j*****h
发帖数: 3292 | 50 401K account default distribution method will be life time annuity.
请教一下，有人知道详情么？
有没有相关的正反link
谢 |
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