Annuities, the great alternative to a CD
Because of the wild fluctuations in our nation’s economy, many
people have begun to look for an investment that guarantees them
a profit, especially those who are approaching retirement age.

Many people simply assume their bank is the place to go and place
their money into a CD. While this certainly will ensure them of a
profit, it is a minimal one by anyone’s standards. In many states, this income may be exposed to creditors and could even be taxed.

An exciting alternative is an annuity!

There are many different types and variations out there,
but an annuity offers some key things a CD simply cannot offer:

• It is tax deferred, meaning no taxes need to be paid until the money is withdrawn.
• Across the board, rates are generally higher with annuities than they are with CDs.
• Annuities give you access to a certain amount of your money, where you are not allowed to touch the funds without penalty in a CD. In short, it’s a guaranteed source of income because you invest your money and in return, you get a predetermined amount of money per month over the agreed-upon time period.
• Annuities must be sold only by licensed agents. Anyone can sell you a CD, but a trained expert who knows the business is the only one who can sell you an annuity.

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