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Annuities vs CDs

Let's take a look at some of the features of CDs and Annuities and see which one comes out on top.

BENEFIT
BANK CD
ANNUITY
Tax-Deferred Growth
No
Yes
Bonus Available on Premium
No
Yes
Guaranteed Lifetime Income
No
Yes
Loan Privileges
No
Yes
Potential Social Security Tax Advantage
No
Yes
Potential Disability Benefit
No
Yes
Avoidance of Probate Costs and Delays
No
Yes
Flexible Pemium
No
Yes
Potential for Higher Yields
No
Yes
Withdraw for RMD Penalty Free
No
Yes
Nursing Home Benefit
No
Yes
Penalty-Free Access to a Portion of Money
No
Yes
FDIC Insured
Yes
No

Clearly the Annuities show better in the chart above!

To see how the real yields for these products perform against each other click on the "Calculator" Tab above and then go to the "Taxable Equivalent Yield" Tab on the left hand side. Enter any Rate for a CD and see what your CD would need to yield to keep up- you'll be surprised!

We have alternatives to CDs today that will give you a 5% Bonus on day one and guarantee at least 2% growth a year, with the potential up to 4%, with the ability to withdraw your funds at the end of 2 years if interest rates start to go back up and you'd like to go back into CDs.

Finally- Are you still paying taxes on interest as it is earned, even if you are just re-investing it or rolling it over into another CD? Why? Why not stop the 1099s and only pay taxes on money you are actually using?

You could also
lighten your Social Security tax burden if your Provisional Income has you subject to taxes on your Social Security benefits. Reinvesting CD interest with no need to use it unnecessarily increases Provisional Income and could increase your tax burden needlessly. By moving that money into an Annuity you might lower your Provisional Income enough to reduce or even eliminate the taxes on your Social Security that you may be paying now. To read more go to "Calculators" Tab at the top and then click on the "The Power of Tax-Deferral" Tab on the left and scroll down that page.


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