Laurie Sepulveda is a MarketWatch Guides team senior writer who specializes in writing about insurance, investing, personal loans, home equity loans, mortgages and banking. She lives in North Carolina ...

A deferred annuity is a long-term investment that grows tax-deferred and provides income in retirement. Interest earnings accumulate without immediate taxes, allowing savings to grow. Taxes are paid ...

No matter what you call them—“consolidators,” “aggregators,” or the newly popular “mega RIAs”—today’s large wealth management firms pursuing acquisitions, roll-ups and tuck-ins all share a common goal ...

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A deferred annuity is a long-term contract with an insurance company that provides future income–often for life–in exchange for premium payments, with options like fixed, variable, and indexed types ...

What Is a Deferred Annuity? Deferred annuities are insurance products that guarantee a lump sum or a regular stream of income at a future date. Individuals make either one-time or recurring deposits ...

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A fixed annuity provides a guaranteed income stream. Payouts can be immediate or deferred. Drawbacks include limited upside. Annuities can help ensure your retirement savings last your entire life.

Annuities can be a powerful tool for retirement planning, but they can easily feel complex and overwhelming if you’re unfamiliar with the terminology. Here’s a breakdown of the most common annuity ...