Guaranteed lifetime income is what we seek in retirement, and a fixed immediate annuity delivers just that safety. Complicated investment products may be intimidating, and risky. But if you havea pension plan, it might not supply the cash flow you may need. you'll need a source of income that you can rely on day in and day out. A fixed immediate annuity is just such a guaranteed source of reliable monthly income Check Out Immediate Annuity

If you havea retirement fund, or employer pension, you need to decide how to utilize those funds when you near retirement. Usually, the company administering the pension will try to sell you an income stream from their own sources. Basically, you are trading in the funds in your pension for steady income in retirement. It is unlikely that this retirement income offer will be your best option - it is based on age, but typically is not competitive with other fixed immediate annuity offerings.

Remember that you are not required to take this offer from your pension administrator - other fixed immediate annuity options, or even other annuities altogether, may be better. It's not uncommon for people to do so but they miss out on better options. There are always other options to consider, so don't take the first thing that comes by! Check Out Immediate Annuities

You may not be interested in a fixed immediate annuity at all for your retirement income, but this might be the only thing your pension advisor offers. Other options include variable annuities that link appreciationo select mutual funds. you may also wish to link your investment performance to the stock market with out the risk of loss thru an indexed annuity. There are a lot of choices and paths to chose from for retirement income.

Another common misunderstanding is that people think they need to stay in the market and risk loss of principal to see any gains. This is only true with certain kinds of variable annuities, but not fixed immediate annuities. An immediate fixed annuity will provide guaranteed income for a period of time- generally, it is tied to a person’s life. That person may be you, a spouse, or even a child. In that case, if the investor were to die, the payments would then be converted to their heirs. Set up correctly, a guaranteed, immediate fixed annuity will keep paying you in retirement for your entire lifetime.

The fixed immediate annuity is first and foremost a guarantee You can stop worrying about stock market fluctuations, knowing your money is secure. You can rely on steady income and can not outlive your assets.

The only negative of a guaranteed annuity it its stringency. You can't move your funds to a new annuity if you wish to do this. You will not realize additional gains other than what the contract terms spell out. Even if your financial situation changes the terms of a fixed immediate annuity remain the same. But lifetime income may be worth it- a good advisor can help you understand the risks and rewards of a fixed immediate annuity. We can help out with Immediate Annuity