The annuity tag has no wiki summary.
11
votes
2answers
364 views
Can someone explain the different kinds of annuities?
So in my retirement and personal investing I have some stocks (very little), a Roth IRA, a Roth 401K and a Traditional 401K (later two are from work and I split things right now).
At my age and ...
3
votes
2answers
98 views
Lump sum annuity distribution — do I owe estate tax?
I recently inherited an annuity, and I am considering taking a lump sum distribution. I thought I had the income tax situation sussed out, but then I stumbled across mention of a possible estate tax. ...
7
votes
3answers
120 views
What are the contents of fixed annuities?
This is a personal finance question as annuities are only as good as the company that insures them.
Annuities from reputable companies often yield 7% or more on paper before any fees, taxes or ...
0
votes
1answer
45 views
How to calculate what i need to pay each month in a annuity type of loan?
Good or bad, how do get to the same number as the bank web calculator do with the following data:
Money loaned: 2 500 000
Interest: 3.5%
Effective interest: 3.6%
Fee (each payment): 50
Number of ...
0
votes
2answers
841 views
What is the equation for an inflation adjusted perpetuity?
What is the equation relating an initial investment, a fixed rate of return, an inflation rate, and a perpetual payment adjusted for that inflation rate?
1
vote
1answer
261 views
How to calculate lump sum required to generate desired monthly income?
Suppose my monthly expenses are $500.
I want to ask a charity foundation to finance my scientific research by one-time payment intended to cover all my monthly expenses during my lifetime. How to ...
0
votes
2answers
482 views
How much is my annuity worth? Calculating present (commuted) value of an annuity or pension?
I have a lifetime annuity which adjusts with cost of living increases in my state. Is it possible to compute the present value of this annuity? If so, how might I go about that?
Perhaps I am ...
2
votes
2answers
436 views
Can I rollover an “individual retirement annuity” to an IRA?
A few years ago, my wife inherited the assets from some sort of retirement account from a deceased relative. At the time, we were less investment-literate than today, so with the aid of a financial ...
8
votes
4answers
247 views
How to evaluate an annuity
My mother wants to gift annuities for me and each of my siblings. Great...uh, maybe.
I'm concerned that she may be purchasing some expensive crappy investment she doesn't need to achieve what she ...
0
votes
2answers
251 views
mortgage math problem
There's a 30yr home loan for $100,000 at 7%. After 15 years the loan is paid
off in order to refinance at a lower rate. The loan has a prepayment penalty of six months interest of 80% of the ...
9
votes
3answers
383 views
Is it worth having a pension?
I know this could be a duplicate of other questions here, but I think I have a different take on it which may be of interest to others in a similar frame of mind.
Some background
I'm self-employed ...
7
votes
4answers
322 views
Who buys variable annuities?
Last year the people making my taxes suggested a variable annuity instead of my traditional IRA. This variable annuity was supposed to guarantee 8% return year after year with no exception or market ...
