Annuity Ladder

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Dictionary Says

Definition of 'Annuity Ladder'

An investment strategy for retirees or near-retirees that entails the purchase of immediate annuities over a period of years to provide guaranteed income while minimizing interest-rate risk. Annuity ladders allow retirees to maintain a portion of their investments in equities and bonds while periodically using a portion to purchase annuities. Purchasing annuities from a variety of insurance companies minimizes the potential for losses if an insurer goes under.
Investopedia Says

Investopedia explains 'Annuity Ladder'

When interest rates are low, it doesn't make sense to lock in that interest rate for a long time. Since no one can predict where interest rates will go, purchasing annuities over a period of years allows an investor to minimize the risk of low returns. An annuity ladder can also generate tax-free income by using a Roth IRA conversion strategy.
Search results for

'Annuity Ladder'

  • Guaranteed Retirement Income - In Any Market

    http://www.investopedia.com/articles/retirement/09/laddering-annuities.asp
    ... Deferred Annuity Designations.) How It's Done An annuity ladder involves the purchase
    of annuities in phases and can involve multiple annuity products. ...

  • 5 Ways To Fund Your Retirement

    http://www.investopedia.com/articles/retirement/08/retirement-income-stream.asp
    ... Having multiple sources of income, including a portfolio structured to include an
    immediate annuity, a systematic withdrawal program, a bond ladder, a CD ...

  • Immediate Annuities: Guaranteed Payout At A Price?

    http://www.investopedia.com/articles/retirement/08/immediate-annuity.asp
    ... (For related reading, see Step Up Your Income With A CD Ladder.) Evaluating an Annuity
    With an Annual Increase Some annuities offer an annual percentage ...

  • Top Retirement Investments For 2011 - Investopedia.com

    http://financialedge.investopedia.com/financial-edge/0811/Top-Retirement-Investments-For-2011.aspx
    ... Many of these emerging economies are climbing the ratings ladder. ... Rather than a
    guaranteed payout as seen with an annuity, RIFs pay regular monthly or ...

  • Retiring On Investment Interest: Can It Be Done?

    http://www.investopedia.com/articles/retirement/09/retire-interest-only.asp
    ... how to implement this strategy, see The Basics Of The Bond Ladder.) Mutual Funds ...
    Income.) Deferred Annuities Another useful tool is the fixed deferred annuity. ...

  • Personal Finance Videos | Investopedia

    http://www.investopedia.com/video/pf/
    ... Find out how a CD ladder can protect you from interest rate risk. Read More »; ... Learn
    how this annuity can provide you a steady stream of income for retirement. ...

  • Personal Finance Videos | Investopedia

    http://www.investopedia.com/video/pf
    ... Find out how a CD ladder can protect you from interest rate risk. Read More »; ... Learn
    how this annuity can provide you a steady stream of income for retirement. ...

  • Top 10 Investments For Baby Boomers

    http://www.investopedia.com/articles/retirement/08/investments-for-baby-boomers.asp
    ... (Learn more in Step Up Your Income With A CD Ladder.) Investment No ... Top 10 Features
    Of A Profitable Rental Property.) Investment No.8 - Variable Annuity (VA) As ...

  • Investing Videos | Investopedia

    http://www.investopedia.com/video/basics/
    ... Find out how a CD ladder can protect you from interest rate risk. Read More »; ... Learn
    how this annuity can provide you a steady stream of income for retirement. ...

  • Investing Videos | Investopedia

    http://www.investopedia.com/video/basics
    ... Find out how a CD ladder can protect you from interest rate risk. Read More »; ... Learn
    how this annuity can provide you a steady stream of income for retirement. ...

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