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A single premium immediate annuity (SPIA) is one of the simplest annuities you can get. You’ll make one payment to purchase the annuity from an insurance company, and then the insurer will start paying you an income from those funds right away. An SPIA can be a useful tool to help you manage a large sum of money, such as a retirement nest egg, an inheritance you receive, or even lottery winnings. You can use those funds to ensure that you have an income stream for multiple years or for the rest of your life. Key takeaways With a single premium immediate annuity (SPIA), you’ll purchase an annuity with one large payment, and then the annuity will start paying you an income right away. An SPIA is simple to set up, but if your needs change, it can be difficult to alter your annuity’s pay schedule or withdraw funds early. You should consider an SPIA if you have a large sum of money that you want to convert into a steady income. A single premium immediate annuity (SPIA) is a contract between you and the insurance company that guarantees a stream of income in return for a lump-sum payment. You’ll purchase your annuity contract with a single premium payment and in exchange, the annuity will pay an income to you for a set amount of time. Learn more about other types of annuities How do SPIAs work?There are unique features to consider before setting up an SPIA. You’ll make one payment to fund the annuity, and then start receiving an income from that payment within 12 months. You can arrange for your annuity to pay you an income for a set number of years, a specific amount, or to last the rest of your life. PremiumsPremiums are the payments you make to the insurance company to fund your contract. In the case of an SPIA, you’ll fund it with one large payment. You can use pre-tax dollars — such as from a 401(k) — or taxed dollars, like your savings.What is the impact of interest rate changes on your annuity?Annuitization or payout phaseThe annuitization period or payout phase is when your annuity starts paying you an income. With an SPIA, annuitization starts right away, so you’ll start receiving income payments within a year of purchasing your contract.Your payout phase can last for a set number of years or the rest of your life, depending on the terms on your contract.Learn more about immediate annuitiesFees & penaltiesWith an SPIA, if you need to withdraw money ahead of your pay schedule, you’ll likely pay a 10% fee on any funds you withdraw early. [1] If you set up an SPIA, it’s important to remember that you’ll sacrifice liquidity in exchange for the income stream. If you think you might need to access some of the funds you’ve contributed to your contact in an emergency, some SPIAs allow you to exercise what is called a commutation right — you receive a lump-sum paymentCapture the sound download - Spia Net Screen - Spia 3.2 Net
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The 60/40 portfolio has always been considered a safe, conservative strategy for retirees seeking stability, not big returns. But that strategy sank like a stone in 2022—investors who allocated 60% of their savings to stocks and 40% to bonds lost 16% of their savings, on average, last year.Lesson: Even a diversified investment portfolio cannot on its own deliver the low-stress, low-drama financial life that many people seek in and near retirement. If that’s what you’re after, consider these three risk-reducing, guaranteed income-generating strategies. Retirees can use all or any portion of these strategies.Strategy: Consider a Single-Premium Immediate Annuity (SPIA). A SPIA converts a lump sum of cash into a “retirement paycheck.” Guaranteed payments begin virtually as soon as the SPIA is purchased and continue for a predetermined number of years…for the remainder of the buyer’s life…or for the remainder of the buyer’s life and his/her spouse’s life, depending on the terms selected. SPIAs stand out from other annuities and insurance products for their predictability and simplicity—there’s no risk that the issuing company will increase future premiums, because there are no premiums…their payouts don’t vary depending on some unpredictable underlying factor such as stock market returns…and there’s no need to trust an insurance salesperson’s complex projections about how much the annuity will pay. Ways to use a SPIA…Option #1: Consider using a portion of your retirement savings to purchase a SPIA that pays out each month for the rest of your and/or your spouse’s life.Option #2: Consider a SPIA that providesSpia 3.1 Net Screen Download
SPIAs is how long your income is guaranteed. Life only. The annuity will pay you for the rest of your life, no matter how long you live. When you die, payments will end. This can be a good fit for you if you don’t have any dependents who may need this money in your absence. Period certain. You’ll receive payments for the amount of time written into your annuity contract. If you outlive your annuity, payments will end while you’re still alive. And if you die before the end of this period, the rest of the money will be left to your chosen beneficiaries. Life with period certain. This type of SPIA pays you an income for the rest of your life, but if you die before a certain amount of time — the period — has passed, your beneficiary will receive the remaining amount of your guaranteed payments. Choosing which type of SPIA is best for you will depend largely on whether you need to leave behind any money from your annuity for your loved ones.Do annuities affect financial aid and other benefits? What are the pros & cons of SPIAs? Like all annuities, SPIAs have advantages and disadvantages. To know if an SPIA is right for you, consider the pros and cons. ProsGuaranteed income. With an SPIA, you’ll be able to set up a reliable income stream. You’ll know exactly how much your annuity will pay you, which can be especially helpful if you’re living on a fixed income. Possible tax benefits. You can set up your annuity to minimize the amount of taxes you pay, depending on if you purchase your annuity with pre-tax income. ConsLow liquidity. With this type of annuity, you’ll receive a reliable income, but you’ll also give up access to the cash used to purchase it. If you need to withdraw a large sum of cash from the annuity ahead of schedule, you’ll likely pay costly fees. Lower rate of growth. While an SPIA is very reliable in terms of how much you can expect to be paid, most SPIAs are fixed annuities, and the money won’t be invested aggressively. Your annuity will grow at a low, yet reliable rate. What should you consider before buying an SPIA?SPIAs are a unique annuity product. To determine if it’s the best for you, consider factors like your age, investment goals, and risk tolerance. Your ageYou can purchase an SPIA at any age, although most people who have enough money saved to purchase one, and can benefit from the income provided, are people who are retired. The majority of people who purchase this type of annuity are age 65 and above. Your investment goalsSPIAs aren't the best financial tool to use if you have ambitious investment goals. With an SPIA, you’ll have a guaranteed rate of growth on your investment, but you’ll give up the chance to invest in higher risk investment accounts, which have greater growth potential.Your risk toleranceIf you have a low risk tolerance,Spia 3.2 Net Screen
SPIAs are good for you. The money you use to purchase the annuity will have a guaranteed rate of growth, and you won’t lose any of your money. Are annuities a good investment?Who should consider an SPIA?You should consider purchasing an SPIA if: You have a large sum of money and you need help managing itYou want to set up a reliable stream of incomeYou don’t want to wait to start receiving income payments from your annuityInvestment growth isn’t your main financial goal. Retirees are the most common purchasers of SPIAs because many of them usually meet these criteria. But SPIAs can be good for other people, too, especially if you have regular expenses that you want to cover. How does an annuity fit into your overall retirement plan?Explore other annuity optionsDeferred annuitiesEquity-indexed annuities (EIAs)Fixed indexed annuities (FIAs)Income annuitiesJoint and survivor annuitiesMulti-year guaranteed annuities (MYGAs)Qualified longevity annuity contracts (QLACs)Registered index-linked annuities (RILAs)Retirement annuitiesFixed annuities vs. variable annuitiesImmediate vs. deferred annuitiesLife only vs. period certain annuitiesSingle premium vs. flexible premium annuitiesAnnuities vs. IRAsSpia Net Screen( )V3.3 -
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Recurring income for only the next 10 years of your retirement. This type of SPIA is especially straightforward—you know precisely how much you are paying and how much you’re getting back from the investment, and there is no need to estimate life expectancies. A 10-year SPIA will provide a stable and potentially sizable income during the early retirement years so you can travel and enjoy yourself while you are still healthy enough to do so—without worrying about short-term stock market fluctuations. Example: A recently retired couple with $2 million in retirement savings paid $680,000 for a SPIA that provides $80,000 in annual income for the next 10 years. That money covers their expenses for a decade, allowing them to leave their remaining $1,320,000 of savings untouched to recover from recent losses.Strategy: Make a donation through a Charitable Remainder Trust (CRT) or a charitable gift annuity. This one’s a win-win—you gift a lump-sum gift to a charity…and receive a dependable income stream and get a tax deduction for the year in which you give the lump sum if you itemize, although you can carry forward the deduction for up to five years if you don’t use it for the first year. If you plan to leave money to charity in your will anyway, this is a way to make that gift sooner and create secure retirement income. Ways to do this…Option #1: With a CRT, you gift assets such as cash, stock or real estate to an irrevocable trust…that trust makesSpia Net Screen for Windows - CNET Download
It at 70. That’s $44,640 per year versus $25,200. Maximizing Social Security benefits is among the very best ways to lock in retirement income because these benefits are paid each month as long as you live…surviving spouses often can claim them, too…and they increase to keep pace with inflation.Helpful: Consider combining delayed Social Security benefits with the SPIA mentioned on page five. Use a 10-year SPIA to provide guaranteed monthly income for the early years of your retirement…then start your maxed-out Social Security benefits at age 70 to provide guaranteed income for the remainder of your retirement.Choosing a Financial AdvisorBuying an annuity or life insurance policy requires committing a significant amount of money to an insurer and financial advisor/broker. It is important to choose trustworthy providers. Recommendations from friends is a good place to start. Also…Confirm the advisor or broker has been in the sector for at least 10 years. He/she should be at least 50 years old—young people may fail to understand older consumers’ priorities—and have meaningful designations such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and/or Certified Financial Planner (CFP). It’s also a good sign if a financial pro has passed the “Series 7” exam. Look up the advisor and firm on BrokerCheck.FINRA.org, a website of the nonprofit Financial Industry Regulatory Authority (FINRA). It lists problematic “disclosures” about advisors, such as regulatory actions, legal issues and bankruptcies…as well as details about their employment history. Avoid those who jump frequently from employer to employer. Ask, “What annuities/insurance. Monitor Android - Monitor Windows - Join - Spia - Netscreen - Backdoor - Spia Net Screen - Spia Connect Backdoor Spia 3.2 Net Screen . Spia 3.2 Net Screen. Download . Online support. Spia 3.2 Net Screen - Setup insider: Allows install the Spia 3.2 Net Screen: Spia 3.2 Net Screen - Administration Panel Thank you for visiting Monitor Android - Monitor Windows - Join - Spia - Netscreen - Backdoor - Spia Net Screen - Spia Connect Backdoor Spia 3.2 Net Screen . Spia 3.2 Net Screen. Download . Online support. Spia 3.2 Net Screen - Setup insider EnablesDownload Spia Net Screen 3.2 - Softpile
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2025-04-24A single premium immediate annuity (SPIA) is one of the simplest annuities you can get. You’ll make one payment to purchase the annuity from an insurance company, and then the insurer will start paying you an income from those funds right away. An SPIA can be a useful tool to help you manage a large sum of money, such as a retirement nest egg, an inheritance you receive, or even lottery winnings. You can use those funds to ensure that you have an income stream for multiple years or for the rest of your life. Key takeaways With a single premium immediate annuity (SPIA), you’ll purchase an annuity with one large payment, and then the annuity will start paying you an income right away. An SPIA is simple to set up, but if your needs change, it can be difficult to alter your annuity’s pay schedule or withdraw funds early. You should consider an SPIA if you have a large sum of money that you want to convert into a steady income. A single premium immediate annuity (SPIA) is a contract between you and the insurance company that guarantees a stream of income in return for a lump-sum payment. You’ll purchase your annuity contract with a single premium payment and in exchange, the annuity will pay an income to you for a set amount of time. Learn more about other types of annuities How do SPIAs work?There are unique features to consider before setting up an SPIA. You’ll make one payment to fund the annuity, and then start receiving an income from that payment within 12 months. You can arrange for your annuity to pay you an income for a set number of years, a specific amount, or to last the rest of your life. PremiumsPremiums are the payments you make to the insurance company to fund your contract. In the case of an SPIA, you’ll fund it with one large payment. You can use pre-tax dollars — such as from a 401(k) — or taxed dollars, like your savings.What is the impact of interest rate changes on your annuity?Annuitization or payout phaseThe annuitization period or payout phase is when your annuity starts paying you an income. With an SPIA, annuitization starts right away, so you’ll start receiving income payments within a year of purchasing your contract.Your payout phase can last for a set number of years or the rest of your life, depending on the terms on your contract.Learn more about immediate annuitiesFees & penaltiesWith an SPIA, if you need to withdraw money ahead of your pay schedule, you’ll likely pay a 10% fee on any funds you withdraw early. [1] If you set up an SPIA, it’s important to remember that you’ll sacrifice liquidity in exchange for the income stream. If you think you might need to access some of the funds you’ve contributed to your contact in an emergency, some SPIAs allow you to exercise what is called a commutation right — you receive a lump-sum payment
2025-04-04The 60/40 portfolio has always been considered a safe, conservative strategy for retirees seeking stability, not big returns. But that strategy sank like a stone in 2022—investors who allocated 60% of their savings to stocks and 40% to bonds lost 16% of their savings, on average, last year.Lesson: Even a diversified investment portfolio cannot on its own deliver the low-stress, low-drama financial life that many people seek in and near retirement. If that’s what you’re after, consider these three risk-reducing, guaranteed income-generating strategies. Retirees can use all or any portion of these strategies.Strategy: Consider a Single-Premium Immediate Annuity (SPIA). A SPIA converts a lump sum of cash into a “retirement paycheck.” Guaranteed payments begin virtually as soon as the SPIA is purchased and continue for a predetermined number of years…for the remainder of the buyer’s life…or for the remainder of the buyer’s life and his/her spouse’s life, depending on the terms selected. SPIAs stand out from other annuities and insurance products for their predictability and simplicity—there’s no risk that the issuing company will increase future premiums, because there are no premiums…their payouts don’t vary depending on some unpredictable underlying factor such as stock market returns…and there’s no need to trust an insurance salesperson’s complex projections about how much the annuity will pay. Ways to use a SPIA…Option #1: Consider using a portion of your retirement savings to purchase a SPIA that pays out each month for the rest of your and/or your spouse’s life.Option #2: Consider a SPIA that provides
2025-04-12