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==== ==== When considering the formula for present value of an seven percent return annuity, there are many factors to investigate along the way. While some may consider this to be a cumbersome activity, history suggests that investigating the present value of an annuity due will pay often off if not immediately then down the road. For example is one considering the purchase of an existing annuity due, or is one considering the sale of an existing annuity due, or the purchase of a new annuity? Or is one considering evaluating an existing annuity for estate tax purposes? What discount rate assumptions are proper and what financial crediting factors are appropriate? http://www.sevenpercentreturn.com ==== ====

The Federal Reserve recently lowered key interest rates in order to battle the current credit crisis. This is not good news for bank investors who have relied on certificates of deposit and money market 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 suitable alternative for most conservative investors. That leaves many savers asking where they can find guaranteed, safe and insured high returns. The answer may be surprising. It is the best kept secret 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 available to investors today. These insured accounts can generate guaranteed monthly income that far surpasses bank c.d.'s while avoiding the risk of the overall markets. As of early November 2008, our most popular five year annuity yields 5.65% and our most popular six year annuity yields 6.00%. These rates are guaranteed for the life of the contract. Of course, there are other term options that usually 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 withdrawal their funds in entirety or choose to reinvest at the current rate. And contrary to popular 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 account balance will transfer to a named beneficiary. Annuities also provide tax benefits that many other investments do not. If the insured does not desire income, then the account grows tax deferred. This is in stark contrast to all bank instruments. Annuity owners own a true, compounding savings instrument. An account that can also provide a lifetime stream of income at a later date. Learn more about annuities here.


In summary, when considering the current state of interest rates and unprecedented market volatility, a fixed annuity account can be an extremely safe and desirable option for investors who wish to reduce risk and guarantee returns.

A.M. Hyers has been working in the insurance and investment industry for over ten years. He owns and operates Hyers and Associates, Inc. an independent insurance agency doing business in Georgia, Illinois, Indiana, Missouri, and Ohio. His agency offers insurance products in the individual, family, and small business group marketplace. They use the leading national insurance carriers to quote health insurance, health savings accounts, dental, and vision plans. Other lines of insurance offered include life insurance, disability insurance, and long term care insurance. They use several carriers to quote Medicare supplement plans and Medicare Part D coverage for seniors. Additionally, the independent agents of Hyers and Associates Inc. offer fixed, indexed, and immediate annuity policies for individual and group retirement plans. Insurance quotes in Georgia, Illinois, Indiana, Missouri, and Ohio Annuity yields returns for safe invesments.

Article Source: http://EzineArticles.com/?expert=Adam_Hyers

==== ==== When considering the formula for present value of an seven percent return annuity, there are many factors to investigate along the way. While some may consider this to be a cumbersome activity, history suggests that investigating the present value of an annuity due will pay often off if not immediately then down the road. For example is one considering the purchase of an existing annuity due, or is one considering the sale of an existing annuity due, or the purchase of a new annuity? Or is one considering evaluating an existing annuity for estate tax purposes? What discount rate assumptions are proper and what financial crediting factors are appropriate? http://www.sevenpercentreturn.com ==== ====

seven percent savings return  

When considering the formula for present value of an seven percent return annuity, there are many factors to investigate along the way. Whi...

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