Friday, July 6, 2012

Current High compliance Annuity Interest Rates

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The Federal keep recently lowered key interest rates in order to battle the current reputation crisis. This is not good news for bank investors who have relied on certificates of deposit and money store savings accounts to save and/or generate income. When inflation is factored in, most bank instruments returns are at historical lows. Additionally, the volatility in the stock and bond markets is not a favorable alternative for most conservative investors.

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That leaves many savers asking where they can find guaranteed, safe and insured high returns. The acknowledge may be surprising. It is the best kept incommunicable that most bank employees and stock brokers hope remains undiscovered.

Fixed Rate Annuity Accounts

Fixed rate, high yielding annuity accounts are by far one of the best savings vehicles ready to investors today. These insured accounts can generate guaranteed monthly earnings that far surpasses bank c.d.'s while avoiding the risk of the full, markets.

As of early November 2008, our most favorite five year annuity yields 5.65% and our most favorite six year annuity yields 6.00%. These rates are guaranteed for the life of the contract. Of course, there are other term options that ordinarily range from 3 to 10 years. Generally, the longer the term - the higher the yield.

Annuity Terms

At the end of the term, the investor can relinquishment their funds in entirety or select to reinvest at the current rate. And contrary to favorite belief, the deposit does not belong to the insurance company at passing. If the insured (also known as the annuitant) was to prematurely pass away, then the list balance will exchange to a named beneficiary.

Annuities also contribute tax benefits that many other investments do not. If the insured does not desire income, then the list grows tax deferred. This is in stark distinction to all bank instruments. Annuity owners own a true, compounding savings instrument. An list that can also contribute a lifetime stream of earnings at a later date. Learn more about annuities here.

In summary, when considering the current state of interest rates and unprecedented store volatility, a fixed annuity list can be an highly safe and desirable option for investors who wish to sell out risk and guarantee returns.

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