Variable annuities are often sold on the promise of one compelling idea: you can participate in market gains without bearing the full risk of market losses. It’s an attractive pitch, especially for ...

When it comes to loans and bank accounts, interest rates matter. Savings account interest rates dictate how much your deposits earn. Loan interest rates, on the other hand, determine how much it costs ...

Variable annuities can be powerful tools for retirement planning. They provide guaranteed income options with tax-deferred growth that few other products can match. However, they are also complex, ...

While I discussed a variety of ways that insurance companies manage the risks around supporting lifetime income guarantees, fees are the headline mechanism for managing the guarantee risk. Fees can be ...

A variable annuity is a way to get the stability of a traditional annuity product with the gains of an investment account—for a price. Unlike with a more common fixed annuity, a variable annuity lets ...

There is no one right answer to this venerable question Daniel Liberto is a journalist with over 10 years of experience working with publications such as the Financial Times, The Independent, and ...