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| Name | Annuity Ladders: An Alternative To Bonds & CDs |
| Video Uploader | Video From Annuity Straight Talk.Com |
| Upload Date | This Video Uploaded At 06-07-2024 01:02:14 |
| Video Discription | 00:29 💡 Annuity ladders are a popular strategy for managing interest rate risk and diversifying investments. 01:55 🏦 CDs are better for short-term holdings, while bond ladders can span up to 15 years or more, but annuities are best suited for the middle ground. 02:38 📈 When comparing yields, annuities generally offer slightly higher returns than CDs and bonds due to purchasing power of large insurance companies. 04:16 💰 Taxes on annuities can be deferred, providing control over when and how taxes are paid, but withdrawals may have tax consequences, especially if delaying withdrawals. 05:11 🛡️ Annuities offer superior safety to bond ladders, which can be more vulnerable to individual bond failures. 06:32 💸 FDIC insurance for CDs may not provide the same level of security as annuities due to potential inflationary risks associated with government backstops. 08:11 🔄 Annuity ladders can be utilized to bridge income gaps in early retirement and provide a steady income stream over time, offering flexibility and stability in financial planning. 09:09 🔄 Combining annuities with bonds in long-term maturities can provide a balanced approach to safety and yield for a diversified portfolio |
| Category | Education |
| Tags | annuity ladders |
