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Sunday, April 26, 2009

Investing in Fixed Annuities

By Leonard Maltby

Many people become interested in investing in annuities, and the thing to remember is that a fixed annuity is used to invest in government securities and high grade corporate bonds. Many people choose to invest in annuities because it is a potential savings choice for many people.

If you are one of these people, first, determine if an annuity is really the right investment option for you. Then, take a look at the different types of annuities that are available to today's investors like you.

Choosing between fixed and variable annuity is a must; while the former offers a guaranteed rate of return with fixed payments over the annuity's lifetime, the latter may offer greater returns, and yet at the same time put your investment at greater risk.

To many, investing in fixed annuity is more appealing, as it offers more security and guarantee. You should consider investing in fixed annuities if you are close to retirement or are already retired, you prefer a very low risk in your investment, and you want a fixed return.

There are also many advantages when investing in fixed annuities such as the flexible products it offers, guaranteed interest as well as tiered and indexed rates that it makes available.

Some products that fixed annuity offers are single or flexible premium deferred annuity, and single premium immediate annuity. What is nice about these is that you can choose depending on your own needs. Fixed annuity is very flexible, which makes it more appealing to many.

It is best to consult with an agent to help you understand how annuity works, as different annuities offer different rates of return. At such, an annuity broker will be able to help you choose which investment is best for you.

Do not limit yourself, as there are many, many choices to choose from, some even offering extras or bonuses. The options are many when investing in fixed annuities - 23208

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