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Payout Rates vs. Interest Rates: Shootin' It Straight with Stan

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Manage episode 325462275 series 2798004
Contenuto fornito da The Annuity Man. Tutti i contenuti dei podcast, inclusi episodi, grafica e descrizioni dei podcast, vengono caricati e forniti direttamente da The Annuity Man o dal partner della piattaforma podcast. Se ritieni che qualcuno stia utilizzando la tua opera protetta da copyright senza la tua autorizzazione, puoi seguire la procedura descritta qui https://it.player.fm/legal.

In this episode, The Annuity Man discussed:

  • What are interest rates?
  • Payout rates and lifetime income
  • Focusing on the monthly income
  • You can’t beat the annuity companies

Key Takeaways:

  • Interest rates have to do with multi-year guarantee annuities, the annuity industry’s version of a CD. You will be locked in at a guaranteed interest rate. The payout rate is a whole different animal.
  • Payout rates have to do with life expectancy and lifetime income, a combination of a return of principal plus interest. That percentage is the payout rate.
  • Forget the bonus, forget the payout rate percentage, forget it all. Focus on the monthly income number; it’s the number that matters.
  • They price it so that the longer you allow them to hold your money as it’s deferring, as you’re waiting to turn on the lifetime income stream, the more they enhance the payments. You can’t time interest rates or payout rates.

"Don’t look at the percentage, look at the monthly income number, and with any of this, look at the contractual guarantee." — Stan The Annuity Man.

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

Get a Quote Today - https://www.stantheannuityman.com/annuity-calculator!

  continue reading

275 episodi

Artwork
iconCondividi
 
Manage episode 325462275 series 2798004
Contenuto fornito da The Annuity Man. Tutti i contenuti dei podcast, inclusi episodi, grafica e descrizioni dei podcast, vengono caricati e forniti direttamente da The Annuity Man o dal partner della piattaforma podcast. Se ritieni che qualcuno stia utilizzando la tua opera protetta da copyright senza la tua autorizzazione, puoi seguire la procedura descritta qui https://it.player.fm/legal.

In this episode, The Annuity Man discussed:

  • What are interest rates?
  • Payout rates and lifetime income
  • Focusing on the monthly income
  • You can’t beat the annuity companies

Key Takeaways:

  • Interest rates have to do with multi-year guarantee annuities, the annuity industry’s version of a CD. You will be locked in at a guaranteed interest rate. The payout rate is a whole different animal.
  • Payout rates have to do with life expectancy and lifetime income, a combination of a return of principal plus interest. That percentage is the payout rate.
  • Forget the bonus, forget the payout rate percentage, forget it all. Focus on the monthly income number; it’s the number that matters.
  • They price it so that the longer you allow them to hold your money as it’s deferring, as you’re waiting to turn on the lifetime income stream, the more they enhance the payments. You can’t time interest rates or payout rates.

"Don’t look at the percentage, look at the monthly income number, and with any of this, look at the contractual guarantee." — Stan The Annuity Man.

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

Get a Quote Today - https://www.stantheannuityman.com/annuity-calculator!

  continue reading

275 episodi

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