Automatic Web Traffic Generator

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

You're prepared to make monthly payments of $185, beginning at the end of this month, into an...

In this case, the stream of contribution constitutes an annuity. A key piece of information is the future value of this annuity at future critical dates. It would take 135 payments to reach 52,000. ... read more

Analyzing the Future Value of an Annuity

An annuity is a capital investment that pays out a fixed sum at regular intervals over an agreed period. A simple calculation illustrates how the fund will grow over the specified term. Typically, ... read more

Will Your Pension Cover All Your Future Income Needs?

How a Fixed Indexed Annuity Could Provide the Income You Need in the Future An annuity can allow you to have added ... They contain limitations and exclusions, including withdrawal charges and a ... read more

Many annuities are bad, complex deals

I will address annuities’ mediocre returns and high fees in a future column. For now ... The other two flavors — the confusingly named fixed-index annuity and its close cousin, the variable annuity — ... read more

Investments: Why you should consider annuities in your retirement planning

The payments start immediately or at some point in the future and can make your ... they can fall in value whenever the economy slows down or enters a recession. That risk can keep you up at night. ... read more

What advisors need to know about annuities

Living benefits, for instance, may give consumers additional income in the future ... to keep the account value from declining when the index falls. The amount of interest an insurance company will ... read more

For the next 10 years, you decide to place $2256 in equal year-end deposits in a savings account...

The account balance can be found using the future value of annuity formula, which is: {eq}FVA=PMT*\frac{(1+r)^{n}-1}{r}\\ FVA=2,256*\frac{(1+0.1234)^{10}-1}{0.1234}\\ FVA=\$40,246.59\\ {/eq} ... read more

Lifetime income? Tax deferral? What investors should know about annuities

Living benefits, for instance, may give consumers additional income in the future ... to keep the account value from declining when the index falls. The amount of interest an insurance company will ... read more

What Is an Annuity Table?

The present value of an annuity is the cash value of all of your future annuity payments. It takes into account the rate of return and the total number of payments you have remaining. If you don’t ... read more

Calculating Present and Future Value of Annuities

If you know how much you can invest per period for a certain time period, the future value (FV) of an ordinary annuity formula is useful for finding out how much you would have in the future. If you ... read more

Advisors need to know the pros and cons of annuities

Investors can also opt for extra features in the form of living benefits, which may provide them with additional income in the future. While those attributes might be enough to get pre-retirees ... read more