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Don’t Drink the Annuity Inflation COLA: Fun With Annuities
Can an annuity truly keep up with inflation—or is that just a sales pitch? Stan challenges common claims about COLAs and indexed annuities, and explains his approach to covering a specific income shortfall when it arises.    In this episode, The Annuity Man discussed:  Annuity COLAs and reduced starting payments Social Security’s cost-of-living adjustment Indexed annuities and income riders Personal inflation and income gaps Reverse-engineering quotes for needed income   Key Takeaways:  A lifetime-income increase through an annuity COLA comes with a lower initial payment. A rising index does not necessarily mean an indexed annuity will deliver market returns or higher income. Inflation affects people differently, so a general-purpose solution may not match an individual’s needs. One approach discussed is to calculate the amount needed to fill a specific income gap and price an annuity for that amount. Evaluate annuities by their contractual guarantees, not by hypothetical returns or sales promises.   "Never buy an annuity for hypothetical, theoretical, backtested, promised returns." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 
Fun With Annuities® - The Annuity Man Podcast
https://www.TheAnnuityMan.com
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