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T*********e
发帖数: 9208 | 2 没说total return, 可能有distribution |
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p********w
发帖数: 90 | 3 当股市低潮的时候，在退休金的投资中什么可以像银行那样保证本金和一定的利率（低
点无所谓）
发现group retirement annuity，如果要取出，要10年内逐渐取出。不够灵活，因为也
许2-3年后股市变好，就想放在mutual fund里。
大家什么观点？ |
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b********k
发帖数: 431 | 4 Annuity maybe a choice too
10 |
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k****2
发帖数: 211 | 7 很好奇楼主怎么办了? 有没有surrender 或是还在撑呢?
我自己想买annuity,(怕自己活的太长)longevity risk..haha..正在研究中... |
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m*****u
发帖数: 1342 | 8 Heard it from two insurance guys at wealthtrack.com, the main benefit for
life insurance annuity is if you live longer than
your peers, you get paid from the money by those other people, that's also
the guts of buying insurance at first place.
But like everything else in life, there is downside with that too: such as
inflation risk, and no left over for your heirs. |
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g*****g
发帖数: 34805 | 9 If your net worth is high enough, you need to worry about tax and
inheritance tax. And you do need some professional advice.
But for average financial advisor that wants to meet you, all they
know is to buy MF, annuity, they care about their commission, not
your return. You can read a dummy investment book and coming out
as a better financial advisor.
多闲 |
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b****y
发帖数: 169 | 10 现在好像广告很多。有一个broker向我们推荐把401k rollover过去。
每年benefit base涨初始投资的8%。如果contract value超过benefit base就reset
benefit base。
每年收费2.5%contract value+1%benefit base。
60岁后可以每年取4.5%benefit base。
大家觉得如何？有什么要注意的？ |
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z*****a
发帖数: 3809 | 11 Is it a 403b annuity plan? Can you get your 5% back if you leave after 2
years? |
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j****y
发帖数: 1714 | 12 Enough money to generate income which is 70% of your current income.
You can generate the money via investment or annuity, also considering
social security income, pension, etc.
For example, 2 millions (adjusted after inflation) may be enough for
retiring, assuming 5% inflation adjusted total investment return annually:
$2,000,000 * 5% /12 = $8,333 per month
Very comfortable life if you move to a low-cost state during retirement. |
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s********n
发帖数: 1962 | 13 There are different kinds of annuities. Many of them are inflation-linked.
There are a few benefits-- 1. tax deductible; 2. better implied return
comparing with bank account; 3. no worry about running out of money. |
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d*r
发帖数: 238 | 15 现在401k已经放满，rothir也不能再存了。已经trigger amt，所以很多itemized
deduction都没有了。想玩问一下下一个投资的项目应该是什么？最好能有tax benefit
的。
529 / education ira？
把mortgage 付清？
annuity ?
另外请教一下，trigger amt之后，几乎所有的itemized deduction都给去掉了，这种
情况下还有什么减税的办法吗？ |
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l********6
发帖数: 18 | 18 又去研究了一下，明白了~你是说存non-deductible IRA，然后立即转为Roth IRA对吧？
那我又有三个问题（汗！）
1.每个月的contribution可以当月转吗？
2.Contribution从IRA转到Roth IRA的时候还要交income tax吗？还是只是profit要交
tax？（本金也要交的话岂不是交double了？）
3.为什么版上有些朋友建议用IRA里的钱买annuity？买基金或股票不是收益更大吗？
一谢再谢！ |
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k**g
发帖数: 1558 | 19
吧？
对。
最好当天放进去non-deductible IRA,当天就转roth.因为如果过几天转的话，会出来几
分钱的利息。这个利息withdraw要交税的，很麻烦。
本金不要交税。
annuity 的tax bracket一般比stock/mutual fund的capital gain tax rate 高 |
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S*******s
发帖数: 10098 | 20 现代对保险产品的使用， 已经和过去大不同。
有的既属保险也属于金融的范围， 比如Annuity得要拿2边的证才允许deal with. 这东
西不适合一些人， 但确实是其他一部分人做退休金计划的选择之一。
保险公司也不再是纯作保险， 而是跨多种行做assets management, 酒店业，benefit
consulting, 401k平台， 理财，还有 brokerage house just like TD Ameritrade,
等等。
Advisor可以挂在一个银行上班，可以独立自己干， 也可在credit union 底下干，或
者在一个保险公司干。
对产品， 对人， 我都避免先入为主的看法。
把产品看作工具箱里头的螺丝刀， 起子，榔头。。。 它们能解决不同的问题。
对人， 如果合作不愉快， 双方都有退出的权力和时间。 |
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m******e
发帖数: 189 | 21 这是annuity 不是wl
不过4%太低了。 |
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E**********e
发帖数: 1736 | 22 有笔赔偿金最近settle down了。律师会推荐几个broker，设个基金是么的， 说到是
annuity类型的。
想请版上能人，应该怎么打理这个基金（是个小孩上学和别的），可以自己选择broker
和投资类型吗？
谢谢。 |
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f*******n
发帖数: 12623 | 23 3张都要用在报税上。但是只要附上有withholding的。只有（2）是要交税的。
（1）要填在Pensions and annuities那行。但是Taxable amount填0，跟着写Rollover。
（2）和（3）要填8606表
其实我觉得你（2）的理由很怪。一般说backdoor Roth IRA怕有Traditional IRA的意
思就是不想吧那些Traditional IRA convert到Roth IRA。而你就刚好把那些
Traditional IRA convert到Roth IRA。 |
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S*******s
发帖数: 10098 | 24 It is good to know that the breakeven inflation rate for TIPs is 2.5%，受教
了. To me the TIPS is just one kind of asset amongst many so I have not yet
look into it deep enough.
Here are my two cents worth. Welcome experts’ input and 纠正:
As far as I believe, the inflation figure should be a much higher one than
that 2% if it includes many prices the consumers have to pay for (fuel and
food). It is also a changing number. In 1979, inflation reached a startling
11.3% and in 1980 soared to 13.5%.
I bel... 阅读全帖 |
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S*******s
发帖数: 10098 | 25 It is good to know that the breakeven inflation rate for TIPs is 2.5%，受教
了. To me the TIPS is just one kind of asset amongst many so I have not yet
look into it deep enough.
Here are my two cents worth. Welcome experts’ input and 纠正:
As far as I believe, the inflation figure should be a much higher one than
that 2% if it includes many prices the consumers have to pay for (fuel and
food). It is also a changing number. In 1979, inflation reached a startling
11.3% and in 1980 soared to 13.5%.
I bel... 阅读全帖 |
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b***y
发帖数: 177 | 26 就是那种现在放一笔钱，若干年后可以每月取多少钱的。这个rate大概是5%左右，比放
银行要好。这里面据说陷阱很多，有谁有经验的说说？ |
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S*******s
发帖数: 10098 | 27 什么陷阱？
我认为只有“合不合适你特定情况”的疑问。 |
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E**********e
发帖数: 1736 | 28 是个给小孩的annuity。 broker给的几个option里， Berkshire Hathaway life
insurace of nebraska 要好那么一点。 当时也有john hancock life insurace可选。
就是觉得Berkshire Hathaway life insurace of nebraska包括Berkshire Hathaway的
website非常“cheap”。 |
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S*******s
发帖数: 10098 | 29 呀， 兄弟姐妹，挑选anuity不是那么去选的啦。
你broker怎么会不给你做一点 educational session 呢？
我们刚给一个客户从市场上挑到一个最合适他年龄和其他情况的anuity， 他老兄迷惑
的地方很多， 大到5%回报和7%回报的对比， 小到一个50快钱一年的custodian fee.
我们用了2小时给他解释， 然后再和carrier开电话会议，让他们给run几个不同年份的
回报率Simulation. 当然他那个是variable Annuity, 比较复杂一点， 保底回报5%+
复利+市场365 day最好的return。
。 |
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x****o
发帖数: 29677 | 30 其实我告诉你,去WFG学习保险是个好办法,你只要横下心来坚决不买,就厚着脸皮去听
什么TERM,WHOLE LIFE,UNIVERSAL,RIDER,ANNUITY,LTC都能明白 |
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c*****x
发帖数: 429 | 31 Run, and run quickly from them. For almost all people including you, an ROTH
IRA with fidelity, vanguard will be a far better choice. |
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n**r
发帖数: 67 | 33 没有两边甜的
Annuity如果早挂了不久亏了。 |
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i*****s
发帖数: 265 | 34 【 以下文字转载自 Working 讨论区 】
发信人: interns (ruby), 信区: Working
标 题: 现在股票狂高，怕不久下跌，401k里哪个存款利率高？
发信站: BBS 未名空间站 (Sun Apr 21 14:50:59 2013, 美东)
现在股票狂高，怕不久下跌，401k里哪个存款利率高？
比如现在Ally Bank是0.85%。
但是401k money market都利率都极其低，还有手续费。
Annuity，有存款期限限制，比如10年内分期取款，这个不利于再投资。 |
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S**C
发帖数: 2964 | 35 Not the same, but you can draw some similarity to a Equity-Indexed Annuity,
which M* today had a nice article, and it comments section has some good
info too.
Basically, what likely to happen are
1) dividend not included. Historically dividend contribute 50% of total
return
2) Seller is not a fiduciary, he or she isn't required to ensure that any
recommendations are the best options for their clients, but simply that they
're suitable for them based on their knowledge of the clients' circumstanc... 阅读全帖 |
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S*******s
发帖数: 10098 | 36 The significant difference between the Indexed annuity vs.IUL:
the base guaranteed return/benefit pay.
,
they
circumstances. |
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S*******s
发帖数: 10098 | 38 I know that is a solid company however when it comes to learning things
about the IUL, you could ask your agent to run illustrations based on humble
assumptions such as 2% return etc. not only the 7.5% return.
Hartford has great products like selected mutual funds.
One of my previous client put their firm's 401k plan with Hartford and I
used to monitor the plan.
rating |
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r****m
发帖数: 1204 | 39 Yes, VA's gain is tax deferred, but two bad things happened (and majority
financial salesmen/saleswomen don't know or won't tell you about):
1) VA's gain is tax deferred only (you still have to pay for it and actually
worse, see 2. below), more importantly, you don't get it for free, you pay
for it with your asset based expensive fees, regardless you have gain or
loss. For the long run, your cost far outweigh the deferred tax benefits.
2) After investing 20-30 years, you would expect your gain ... 阅读全帖 |
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r****m
发帖数: 1204 | 40 Yes, VA's gain is tax deferred, but two bad things happened (and majority
financial salesmen/saleswomen don't know or won't tell you about):
1) VA's gain is tax deferred only (you still have to pay for it and actually
worse, see 2. below), more importantly, you don't get it for free, you pay
for it with your asset based expensive fees, regardless you have gain or
loss. For the long run, your cost far outweigh the deferred tax benefits.
2) After investing 20-30 years, you would expect your gain ... 阅读全帖 |
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r****m
发帖数: 1204 | 41 If you have any choice, yes. But unfortunately for many 403b accounts, the
choices are usually very limited. |
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P**********e
发帖数: 171 | 42 在政府工作，提供403B。单位列了以下提供403b的公司，我看网上说各个公司fee和
performance不一样，尤其是以后要transfer的话有的公司费用/penalty很高。想请教
网上各位：
1.是否要一家家去看资料打电话问fee？
2.大家有经验的，下面哪家公司信誉比较好，transfer费用/penalty比较低？
3. 403b是否和401k一样有match?
4. 如果以后换工作，403b里面的钱是否可以transfer到401K？
非常感谢！
American Century Services LLC
Aspire Financial Services
AXA Equitable Life Insurance Company
First Investors Corporation
GWN/Employee Deposit Acct
Agent: DJPuff Advisors Group, Inc.
ING National Trust-NY
Mass Mutual VA
MetLife
NY Life Ins. & Annuity Corp.
Oppenhe... 阅读全帖 |
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P**6
发帖数: 96 | 43 单亲妈妈，带一个两岁多的孩子，中等偏低收入。有一笔钱，本来想拿来付清房贷的，
几个月以前上来咨询过，现在决定不付清了。
最近开始买annuity,买到最大，这样每月到手的工资就没多少了。日常开销基本就要靠
银行存款。我想银行里留够5年的生活所需，剩下的钱是不是应该做一些短期投资（比
如5年之后能拿出来）。但是对投资实在没概念，工作生活压力太大，也没精力去折腾
。有个想法，打算汇一些钱到国内，让亲戚帮忙存个5年定期，4.75%的利率，加上人民
币增值的可能性，5年下来，收益也还不错。可行不？
谢谢。 |
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r****m
发帖数: 1204 | 44 两岁的孩子说明年龄还不大, 买annuity太早了, 钱都给赚去了.
银行里留够5年的生活所需有点太多了, 为什么不留六个月左右的应急资金, 然后将多
余的 DCA 买US index funds 呢? |
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P**6
发帖数: 96 | 45 谢谢。但是不懂为什么太早？另外买annuity,每年报税的时候能省不少吧。 |
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r****9
发帖数: 4961 | 46 annuity? it seems like a bad idea. |
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r****m
发帖数: 1204 | 47 主要是老年人用的.
当然, exception 也是有的. |
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d****i
发帖数: 4809 | 48 那这个和401K一样，也是放税前的钱？有什么好处呢？怎么看到的是north american的
人寿保险的广告，是不是和人寿保险有关。 |
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r****m
发帖数: 1204 | 49 It's for both before and after tax money, and always offered by insurance
companies.
It guarantees you won't outlive your money, but the return you can get
varies.
Even for older people, the best time to buy is when interest rates are
higher, so the return you can get from such products will be higher.
Good commission for agents. |
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d****i
发帖数: 4809 | 50 多谢，那我现在可以用税前或税后的钱投吗？一年有多少限制? |
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