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What Is the Difference Between an Annuity Due vs. an Ordinary Annuity?

Insurance premiums are another example of an annuity due, as payments are made at the beginning of a period for coverage lasting through the end of that period. Differences in present value Since ... read more

Annuities: Present Value Versus Future Value

The present value of an annuity is the sum that must be invested now to guarantee a desired payment in the future, while the future value of an annuity is the amount to which current investments will ... read more

5 Charitable Planning Options That Can Save You Money on Taxes

With this structure, the donor, or grantor, would receive an upfront income tax deduction for the present value of the charitable donation. However, the donor would not receive any additional tax ... read more

What Is Present Value and How Is It Calculated?

The main difference between the present value ... a house, or an annuity, the better, as it is worth more now, with all of those investment options in play, than it is in the future. Present value ... read more

The difference between traders and investors

Is there a difference between trading and ... investment (perhaps a variable annuity) that returns 4 per cent annually for the next five years, after which you are repaid your principal. To figure out ... read more

Annuity Derivation vs. Perpetuity Derivation of the Time Value of Money

The differences between ... of the time value of money is due to differences in time periods. Since the life of an annuity differs from the life of a perpetuity, an annuity uses a compounding interest ... read more

Annuitant-driven vs. owner-driven annuity contracts: Which is best?

In this series of articles we are going to look at some examples demonstrating the difference between ... the value of the annuity contract when the owner dies prior to the annuity starting date. If ... read more

Less Annuity Exposure Tips Ameriprise Over Lincoln Financial

Both AMP and LNC have varying degrees of focus on these products. Annuities and ULSGs are worrisome for the market because of spread between the guaranteed ... some credit for its differences with LNC ... read more

Lump Sum or Annuity? How to Make the Right Pension Choice for You

However, some workers still have access to pension benefits through their work, and the additional financial support that a pension can provide in retirement can make the difference between being ... ... read more

Formula for the Future Value of an Annuity

When you purchase an annuity, you invest your money in a lump sum or gradually during an “accumulation period.” At a specified time the issuer must start making regular cash payments to you for a ... read more

Public Pension Funding Crisis: Who Was Jeremy Gold And Why Should You Care?

The interest rate -- or, in actuarial terminology, the discount rate (since you're discounting to the present, the present value of a future benefit ... longer make up the difference between its ... read more

9 Stocks To Take Advantage Of The Market's Misuse Of Discount Rates

Investopedia's definition: The interest rate used in discounted cash flow analysis to determine the present value of future cash flows ... To investors, the differences between these returns are ... read more