SPECIAL REPORT: The Ultimate Retirement Tool?

Annuities — from SS to taxes, breaking down every aspect and options. Created for {EMAIL} | [Web Version]( September 27, 2024 FOLLOW US:  [LinkedIn]( [Facebook]( [Instagram]( Kiplinger Today [SIGN UP]( ⋅ [WEBSITE]( [] Top Story [] [Annuities 101]( [Annuities 101]( (Getty Images) Annuities are gaining popularity among retirees driven by a combination of factors including a bulging retirement-age population, strong equity markets and the need to replace pensions. Many see them as a reliable source of retirement income, but they're not for everyone. [Are annuities right for you](? [] Long-Term Annuities [] [Fixed Index Annuities]( Fixed index annuities (FIAs) are insurance contracts that offer growth based on stock market index performance while protecting the principal investment from market fluctuations. With so many products available, each with its own contract terms and varying rates, it’s crucial to understand the maturity timelines and distribution options to ensure they fit into the retirement plan, writes financial adviser Cliff Ambrose. [Fixed Annuities]( [Attention Income Investors, Learn How to Generate Dividend Yields of 10%]( The average annual return of commercial real estate over 20 years is roughly 9.5%, nearly 1% greater than the S&P 500's average annual return of 8.6%. The CRE Income Fund pays an annual 10% dividend yield and is a long-term strategy that returns over $25,000 for every $10,000 invested over the next ten years. [READ MORE]( ADVERTISEMENT [] Social Security [] [Retiring Early and Delaying Social Security]( [Retiring Early and Delaying Social Security]( (Getty Images) Waiting until age 70 to claim Social Security benefits can be financially beneficial, but how do you manage the income gap between leaving your job and applying for benefits? Retirement income expert Ken Nuss answers [that question and more here](. [] Taxes [] [How Are Annuities Taxed?]( Annuities offer powerful tax advantages like tax-free withdrawals for long-term care expenses, favorable beneficiary tax treatment, and more. However, they also have a few pitfalls (that are avoidable). [Read More]( [] Personal Finance [] [Five Surprising Things About Annuities]( [Five Surprising Things About Annuities]( (Getty Images) Annuities are more varied, flexible and cost-effective than most people think. Don’t let their complexity scare you off. To help fill in some blanks, financial adviser Ken Nuss shares [five things you may not know](. [How to Develop a Dividend Reinvestment Strategy]( Generate $2,000 a month in dividends with a private REIT, specializing in industrial properties. This fund offers a path to create passive income using dividends and compound interest. With 250k at 10% APY discover how to yield $2000/month to help you reach your financial goals. [READ MORE]( ADVERTISEMENT [] Deferred Income Annuity [] [For Longevity Protection, Consider a QLAC]( Retirees looking to ensure their savings last a lifetime should consider Qualifying Longevity Annuity Contracts (QLACs), which provide guaranteed income starting at a chosen age, up to 85. Investment adviser Jerry Golden highlights the benefits of QLACs, including a case study of a retiree who uses one to maintain her income plan. [QLACs]( ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter](, [The Kiplinger Tax Letter](, [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. [Sign up to explore more newsletters](. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Kiplinger]( [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](mailto:kiplingertoday@smartbrief.com) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036