Everand Logo

Welcome to Everand!

  • Discover millions of ebooks, audiobooks, and so much more with a free trial

    Only $11.99/month after trial. Cancel anytime.

    Who Wins the Variable Annuity Versus Mutual Fund Battle?
    Who Wins the Variable Annuity Versus Mutual Fund Battle?
    Who Wins the Variable Annuity Versus Mutual Fund Battle?
    Ebook44 pages24 minutes

    Who Wins the Variable Annuity Versus Mutual Fund Battle?

    By Dale Maley

    ()

    Read preview

    About this ebook

    This short story explores the issue of variable annuities versus stock index funds so ordinary investors can determine which option is best for helping to achieve their financial goals.

    LanguageEnglish
    PublisherDale Maley
    Release dateJul 10, 2010
    ISBN9781452364223
    Who Wins the Variable Annuity Versus Mutual Fund Battle?
    Author

    Dale Maley

    Dale C. Maley is the author of the 19999 book Index Mutual Funds: How to Simplify Your Financial Life and Beat the Pros.He is also a contributing author to Chapter 18 Seeking Help from Professionals in the 2009 book The Bogleheads Guide to Retirement Planning.He is a very successful private investor who has been a student of Financial Planning and Investing for over 30 years. He was trained as an engineer at the University of Illinois and has been a practicing engineer for 32 years. His accomplishments as an engineer include the granting of 16 U.S. Patents and authorship of over 500 professional technical papers. He is also a member of the International Society of Automotive Engineers and the Society of Manufacturing Engineers.He also has earned an MBA (Masters Degree in Business Administration) degree from Illinois State University. His background in mathematics, engineering, and business provides him with the excellent basis for understanding and teaching investments and financial planning.He is also a very successful investor who has been investing in common stocks and mutual funds since 1980. He has also personally invested in both 401(K) and IRA plans, so he is familiar with participation and management of these types of investments. He has been investing in indexed common stock mutual funds since 1990.Dale became a Registered Financial Advisor in the State of Illinois in 2006 and is currently launching his business as a fee-only financial planner. He is President of Maley Financial Planning LLC.

    Read more from Dale Maley

    Related to Who Wins the Variable Annuity Versus Mutual Fund Battle?

    Related ebooks

    Personal Finance For You

    View More
    View More

    Related podcast episodes

    Related articles

    • Article

      So, You Want To Buy…

      Apr 24, 2020

      So, You Want To Buy…
      6 min read

    • Article

      7 Best Value Stocks for the 'Great Rotation'

      Nov 12, 2020

      Investors have been waiting for value stocks to catch up to growth stocks for a decade now, and some think they're seeing signs of the long-awaited rotation from pricey stocks to cheap ones. Value stocks had a heady few days in the second week of Nov

      1 min read

    • Article

      How to Avoid Financial Panic When a Recession Threatens

      Aug 30, 2022

      It’s OK to worry about a potential recession. The unknown is scary. But, don’t let those emotions lead you into financial panic. You are not the only one feeling anxious – more Americans are worried about a looming recession than in years. Two-thirds

      4 min read

    • Article

      The Ins and Outs of Buying Long-Term Care Insurance

      Mar 9, 2018

      I often suggest long-term care insurance to my clients, and I almost always hear this objection: "It's too expensive." Yes, long-term care insurance is not cheap, but medical insurance and Medicare typically do not cover that particular type of care

      2 min read

    • Article

      Can Your 401(k) Withstand Market Volatility?

      Apr 23, 2019

      It's no secret that volatility has returned to the stock market. From October 2018 through January 2019, the S&P 500 monthly returns were -6.84%, +2.04%, -9.03% and + 8.01%. Given that most savers have 401(k)s as the main source of their retirement

      3 min read

    • Article

      Social Media Tips for Finance Professionals — And Everyone Else

      May 1, 2018

      According to a recent survey, 85 per cent of financial advisors in the U.S. are using social media for business. As a direct result of social media use, these ‘social advisors’ gained new clients resulting in nearly $5 million in average asset gain.

      2 min read

    • Article

      The 11 Reits In My Portfolio

      Aug 13, 2021

      I take the view that fears about the future of offices and retail are overdone – people will work from home more and many weak retail companies will go bust, but good-quality space will still remain in demand. Rents may drop in some cases, but Reit s

      2 min read

    • Article

      Pay Now or Pay Later: Reducing Taxes Should Be a Retirement Priority

      Oct 1, 2019

      Do you have a plan to help reduce income taxes in retirement? That's become one of my top questions for the pre-retirees who attend my financial planning classes or come to my office for help. If they have to think about it, it means they likely do

      3 min read

    • Article

      Build a Retirement Plan That Provides Paychecks AND Playchecks

      Apr 22, 2019

      If you're worried about not having enough money saved to retire, you certainly aren't alone. Time and again, polls find it's a top concern for pre-retirees. In one telling survey conducted for Allianz Life in 2017, 63% of respondents said they feare

      3 min read

    • Article

      Rates Are Rising. Is It Time to Sell Your Bonds?

      Apr 11, 2018

      With interest rates still close to historic lows there has been lots of talk about how rising interest rates will reduce bond values. This hasn't been helped by President Trump's trade war threats, which have the potential of causing rising prices a

      6 min read

    • Article

      Tax-Free Investment Strategies

      Sep 23, 2019

      "There's one for you, 19 for me, cuz I'm the tax man" was from the first tax protest song as performed by the Beatles. You see, Britain imposed the 95% tax bracket on the Fab Four, leaving them with 1 pound for every 19 pounds paid in taxes. In the

      4 min read

    • Article

      3 Ways to Maximize Your Charitable Giving This Year and Beyond

      Dec 16, 2019

      In 2018, Americans gave $427.71 billion to charities, according to Giving USA 2019: The Annual Report, and with the year's end fast approaching, you may be contemplating how best to support charities and social causes close to your heart by making

      4 min read

    • Article

      The Best Online Brokers, 2021

      Aug 27, 2021

      Online brokers are enjoying explosive growth as investors beat a path to their virtual doors. In fact, 2020 was a record year: More than 10 million new brokerage accounts were opened, many by first-time investors, according to market research firm J.

      11 min read

    • Article

      How to Profit From ETFs

      Jul 29, 2021

      Exchange-traded funds have never been hotter. Investors are pouring a record amount of money into ETFs, which hold baskets of securities like mutual funds do but trade like stocks. “It’s just explosive growth,” says Armando Senra, head of iShares Ame

      8 min read

    • Article

      PODCAST: The 2022 Stock-Market Outlook with Anne Smith and James K. Glassman

      Dec 28, 2021

      Apple Podcasts | Google Podcasts | Spotify | Overcast | RSS David Muhlbaum: No doubt stocks in 2022 are going to have a tough time topping 2021’s stellar performance, but rise they will, Kiplinger is forecasting. We’ll dig into the year ahead with in

      19 min read

    Related categories

    Reviews for Who Wins the Variable Annuity Versus Mutual Fund Battle?

    0 ratings

    0 ratings0 reviews

    What did you think?

    Tap to rate

    Review must be at least 10 words

      Book preview

      Who Wins the Variable Annuity Versus Mutual Fund Battle? - Dale Maley

      Who Wins the Variable Annuity Versus Mutual Fund Battle?

      by

      Dale C. Maley

      SMASHWORDS EDITION

      * * * * *

      PUBLISHED BY:

      Artephius Publishing on Smashwords

      Who Wins the Variable Annuity Versus Mutual Fund Battle?

      Copyright © 2008 by Dale C. Maley

      All rights reserved. Without limiting the rights under copyright reserved above, no part of this publication may be reproduced, stored in or introduced into a retrieval system, or transmitted, in any form, or by any means (electronic, mechanical, photocopying, recording, or otherwise) without the prior written permission of both the copyright owner and the above publisher of this book.

      Q: What areas of investing have you been exploring since the publication of your book Index Mutual Funds: How to Simplify Your Financial Life and Beat the Pros?

      A: The last few years I have been exploring all aspects of retirement planning. Variable annuities are one area that I really did not know much about. The popular press has vilified variable annuities to the point that most knowledgeable investors will not give them any consideration at all as an investment. Variable annuities are often sold to people who have fully funded their retirement accounts. The allure of variable annuities is their tax-free compounding until you cash them out. The downside of variable annuities is they are hard to understand, are loaded with fees, and you are taxed at ordinary income rates when you cash them in.

      Another option for investors who have fully funded their retirement accounts is to invest in taxable indexed stock mutual funds. Because stock index funds are very tax efficient, you almost get tax-free compounding like a variable annuity. Index funds are extremely low cost and you are taxed at lower capital gains rates when you cash them in.

      My goal is to further explore the issue of variable annuities versus stock index funds so ordinary investors can determine which option is best for helping to achieve their financial goals.

      Q: What is a variable annuity?   

      A: There are many different types of annuities.

      Enjoying the preview?
      Page 1 of 1