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Retirement Planning – Buying a Fixed Annuity

Q: I am considering buying a fixed annuity. Just wanted to get your thoughts on this type of investment?

 

A: Because of the commissions and surrender charges I generally steer clients away from annuities.  A fixed annuity is like buying a CD but with much higher penalties for early withdrawal.  If you are looking for safe yield you might consider a bond ladder or a short term bond ETF until rates move higher.  I hope this helps. If you have any other questions just let me know.


 

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