Annuities

While planning for retirement, the goals are simple enough: accumulate enough money to maintain a certain lifestyle after retirement. Due to challenges such as inflation, a longer life expectancy, and a shorter investment horizon, the investments necessary to achieve these goals are not as simple.

Higher risk investments tend to generate higher returns, but can generate significant losses over a short period, while lower risk investments may not generate enough income to realize your retirement goals.

An Annuity represents an agreement between a consumer and an insurance company that usually provides a relatively high return in the form of a stated interest rate, while offering a high level of protection against loss of capital. Because of these characteristics, many people utilize this form of investment while planning for retirement.

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