I am 42 from india and with good income currently to invest for my years of retirement. I am not able to decide what time of retirement option i study try–Some suggestions from friends are as follow

Invest in balance funds via SIP for few years, later redeem them and buy an annuity from LIC
Buy a combination of LIC policies that gives you some return every year after few years.
Invest in equity funds via SIP and due to long run of more 10 years , it will generate good return.

can you suggest any better option to work out.??

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is an Annuity more leanient?

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Bernard Bernanke just announced low interest rates for the next couple of years so that doesn’t bode well for an annuity purchaser who would be stuck with a low rate for the life of his annuity unless he could be a provision in the contract for rate adjustments based on some factor which tracks interest rate movements!

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I am getting ready to retire and have money in a Thrift Savings Plan that I would like to put into and annuity that will pay 0 a month. What are some options that I might look at?

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Annuity established in NY with after-tax dollars by decedent.

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NOminal interest and Effective rate is different…right?

I have this problem on solving annuity that states only the nominal interest. Here is how it states..

A building and loan association requires that loans be repaid b uniform monthly payments which include monthly interest calculated on the basis of nominal interest of 5.4% per annum. If 5000 pesos is borrowed to be repaid in 10 years, what must the monthly payment be?

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Just trying to protect my small investment by moving it into another cd with another bank since the annuity isn’t FDIC insured and the CD is …thanks .

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I am considering transferring some of my IRA and 401K money to an annuity that pays 6 percent plus a round up every year the market goes up by more than the 6 percent. The main intent is protection of principal and some income.

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I am currently renting and have a chance to buy a home for a good price. Should I cash in my annuity to pay off my debt, pay down cars, and put a down payment on a house?

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I have inherited like 4 million from my grandmother and think maybe an annuity is the best way since it guarantees an income for life?

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Lets say I know a private investor who wants to buy my annuity or structured settlement, do we need lawyers involved in this, or do you need some kind of license to deal in these kinds of things.

Like do employees for a firm like JG wentworth need some kind of license for their dealings.

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Anyone know where I can roll this over to which has lots of options and no front end load?
It is a tax deffered annuity.

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I am researching the issue of stranger-originated annuity transactions (STATS) and I’m not an econ major… in fact, I have never taken econ in my life, but I am really interested. It seems as though not all firms offer the death clause, or maybe just not all contracts include the death clause. What will happen if strangers are no longer allowed to be beneficiaries? Really, that would make it difficult for someone to name their girlfriend or best friend, right?

Please clarify some of these issues! Thank you

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annuities are identical with the exception of the payment dates. Annuity A pays on the first of each month while annuity B pays on the last day of each month. Which one of the following statements is correct concerning these two annuities?
a.Both annuities are of equal value today.
b.Annuity B is an annuity due.
c.Annuity A has a higher future value than annuity B.
d.Annuity B has a higher present value than annuity A.
e.Both annuities have the same future value as of ten years from today.

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An annuity provides for 10 annual payments. The first of these payments is 0 and each subsequent payment is 10% higher than the one preceding it. Find the present value of this annuity at the time 1 year prior to the first payment if i = 10%.

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