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For people considering an annuity, the decision process is a daunting task. Annuity Rates play an important role when grading a specific product. The maze of information available causes a person to lose confidence in the final decision.
There are some key interest rate components to focus on that should filter out the irrelevant information and make the decision process quite a bit easier. Since variable and equity-indexed annuities float with the stock market, a broad focus on interest rate components is irrelevant. Let's focus on Fixed Annuities.
There are four key interest rate components in an annuity contract. This should help investors understand where to direct the most attention.
Base Guaranteed Rate: This is the contractual minimum rate that the annuity will yield. This rate will range from 1-3.5% except in the case of a CD-Type Annuity, which will lock a higher rate for the life of the contract.
Current Rate: Each year an insurance company will declare a rate to be applied to in-force contracts. This keeps competition alive in the insurance industry. Each company is going to declare a rate based on portfolio performance, future business projections and competitive comparison. Finding a solid current rate is a good indicator of the company's financial health and economic outlook in relation to the financial industry as a whole.
Bonus Rate: Many contracts inject a bonus rate as an additional teaser. Certain annuities offer excessively high bonuses. Several factors need to be considered in regards to bonus rates. Some of these rates are only credited at contract maturity which adds an additional surrender charge if the annuity is cancelled early. Big bonuses often lead to a longer surrender period because of the added cost to the company. In many cases, bonus rates turn out to be no bonus at all. Verify all other contract components to your satisfaction before a bonus is considered.
Yield to Surrender: This represents the effective rate of return projected throughout the contract time period. It is also the single most important interest rate to consider. An advisor should offer the yield to surrender in a current and guaranteed minimum rate basis. Calculating this yield will objectively determine the validity of a bonus rate.
In addition to the major interest rate components, there are a couple other things that deserve consideration when evaluating interest rates. These include a company's renewal rate history and bailout rates.
Renewal Rate: Renewal rate history is an excellent indication of a company's long-term performance. Historical rates can be matched to past economic cycles to show how the specific company has performed during various market scenarios. Inflation and deflation are valid concerns that need to be addressed when considering a substantial cash investment over a long period of time. This is one of the better ways to compare an annuity's performance in relation to past interest rate environments.
Bailout Rate: Not all annuities offer a bailout rate. This is a component of high quality contracts offered by some very stable companies. The bailout rate is usually set just above the base guaranteed rate. It allows an investor to cancel the contract free of penalty if the declared interest rate is at or below the bailout rate. This offers additional freedom to the contract holder and opens up options for placement of the funds without the usual cost of surrendering the annuity.
This basically sums up the things a person needs to consider when evaluating interest rates in annuity contracts. Annuity rates are still only one of the many components that a person needs to understand before a confident purchase can be made.
Annuities are extremely versatile financial products that will play an expanding role in the financial planning landscape. Choosing a product, however, presents a unique challenge because of the hundreds of products a person has to consider.
Annuity Straight Talk has laid out the guidelines for suitability and product selection. Visit the site for a list of all necessary contract components and the objective analysis needed to make an educated purchase.
Bryan J. Anderson is the Author of The Annuity Report at AnnuityStraightTalk.com, and offers great free resources on how to Buy Annuities
Bryan helps you understand all the complexities of Annuity Rates and finds the best combination of safety, flexibility, and profitability for your money.
Forex Indicators boost Currencies
The publication of quarterly results of U.S. companies continued this week, pushing stocks to rise, peaking with the Dow Jones Thursday while macroeconomic indicators have succeeded, helping to bolster investors in the event of a the crisis. More economic crisis seems to fade, the more traders seem to get away from a strategy of risk aversion, other factors taken into account in their investment decision. This explains why the dollar has remained fairly well this week, the logic of risk aversion with less effect on the price of currencies.
The euro - the single European currency is obviously one of the big winners in recent weeks. Closely linked to Dow Jones, the euro has benefited from an improvement of global economic prospects, although the situation in the euro zone is still a bit complex. Indeed, the macroeconomic indicators which were published this week left many questions unanswered. Thus, if the index of consumer confidence and business leaders in the euro zone rose to 76 points in July, unemployment, meanwhile, climbed to 9.4% in June and decline in price over one year stood at 0.6% in July. Therefore, the euro area is still far from being out of the crisis, knowing that in most situations depending on the country vary widely. As has been noted Florence Pisani, an economist at Dexia AM, in an interview with the Figaro, the recovery starts to take shape across the Atlantic should benefit only marginally in the euro area, given that the takeover should be particularly weak and fragile. Therefore, a backlash in the coming months could penalize the exchange rate of the euro if European leaders can not provide guarantees to investors.
The dollar - In normal times, the dollar would have faced the odds this week. Indeed, the macroeconomic indicators published were rather positive in general and the stock market was well paid. As a safe haven, the dollar should therefore decline against other currencies like the yen. However, the U.S. currency, although it has shown down much of the week against the euro, has resisted. Indeed, investors now believe that they can no longer thinking only in terms of risk aversion. Other factors are therefore taken into account, including the possibility, revived this week, a rate hike from the Federal Reserve in the months ahead. This hypothesis was corroborated by what the President of the Federal Reserve of Philadelphia, Charles Plosser, in the Wall Street Journal. The latter has in fact argued for a rate hike, but as is pointed out by the observers of the foreign exchange market, C. Plosser did not currently vote at the Monetary Policy Committee of the Fed. In addition to this hypothesis, which should not occur for months, the dollar was also supported by confirmation of a mitigation of the crisis across the Atlantic. The publication of the Beige Book from the Fed and the U.S. GDP figures have marked the week's trading. The Beige Book said the beginning of a stabilization of the economic situation in the United States while the GDP declined by only 1% in the second quarter, against 1.5% expected a slowdown that was greeted with optimism by the President Obama.
The Australian dollar - Traders who wish to have good investment opportunities are interested in Australian dollar. For several weeks, the Australian currency is the front of the stage, always reaching higher on the foreign exchange market. This week, the Australian dollar was particularly supported by the comments of the Governor of the Reserve Bank of Australia, Glenn Stevens. The latter has in fact assured the appreciation of the Australian dollar, which gained nearly 30% since February and has also hinted that the central bank might decide to raise interest rates soon, without even waiting for the unemployment has fallen. Now, investors are awaiting the publication of minutes of the meeting dernièure the central bank, to be published next week, to have confirmation of the change in strategy of the central bank. If this hypothesis is confirmed, the Australian dollar could draw much profit rate differential with other currencies. For now, only one fly in the ointment remains is the possibility of a credit tightening in China, as was mentioned this week, which could have an impact on the Chinese industrial production and thus on the Australian dollar.
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Do Literary agents think it's unprofessional for a query letter to be printed on a letterhead with a logo?
I read in Jeff Herman's Guide (a supposedly reputable source) that if you want your query letters to look professional, you should use your own personal letterhead with a logo to show you're serious about the business. However, I just read in Miss Snark's blog (also a supposedly really reliable source, a lot of people say) that having a logo makes you look really dumb and unprofessional and pretty much guarantees that your writing is bad and is a one-way-ticket to a rejection (that's me paraphrasing.) Here's what she really said:
"5. Pictographs on your query letter- aka inkwells, pens, tablets, open books, or dog forbid, the authoress herself looking pensive --this is a 100% reliable indicator of bad writing. Why? Cause the writer is so busy announcing "I'm a writer" they forget the words are what count."
SO, agents, editors, or successful authors in the business:
could someone please clue me in as to whether it looks more professional to use a logo-letterhead or not???
I'm a freelance writer for radio and also magazines; I have to say that I agree with Miss Snark...there's no need to put letterheads or any frou-frou bits and pieces on your enquiry letters.
One glance at your resume will tell them how much experience you've had and if it's none then you'll look pretentious. It's the sample work that matters.
Lazy Portfolios At 10: A Winning Decade
Lazy Portfolios At 10: A Winning Decade
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