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Articles By:Scott Demonte

Do You Understand How a GMIB Works By: Scott Demonte
Is it a big surprise to me that the average investor does not understand how their variable annuity benefits work? No, I wish it was. It is for this reason I launched annuityiq.com. The fact that few people actually understand their variable annuity benefits is absolutely believable.These benefits are sold ...
A Variable Annuity to Fund an IRA By: Scott Demonte
Variable annuities, I can hear people cringe at just the name, in IRA accounts, I think I just heard some people pass out! What am I insane to bring up this topic of putting variable annuities in IRA accounts? Maybe, but what is the big deal anyhow? There really is ...
Variable Annuity Goals By: Scott Demonte
Do you understand variable annuity benefits? You need to. Understand your variable annuity benefits is the most important part about owning a variable annuity. You bought, or are buying, a variable annuity for a specific reason. Whether it was for living benefits or death benefits, you need to make sure ...
Immediate Annuities A Good Deal By: Scott Demonte
I have been reading a lot about immediate annuities lately and I really have to address this question, are immediate annuities any good now a days? I will say this, they have their place. They are not what I would call the best vehicle for many people. These instruments have ...
Is a Variable Annuity Right for You By: Scott Demonte
Is a variable annuity is right for you? This is a tough question. Let's take a look at some broad examples to see if an annuity is right for you.First, do you need the money liquid, or will you need your money quickly in the near future? If you answered ...
Who are You Going toTrust By: Scott Demonte
You need the real facts behind variable annuities. Getting the right information the first time will save you thousands in the end.When it comes to buying an annuity who are you going to trust? The person selling it to you, or a person who has no vested interest in whether ...
How Much Can You Expect to Withdraw From Your Investments By: Scott Demonte
Income in the future will be challenging to the individual investor. With the changes happening with the investor base, I am referring to the baby boomers and the fact they are retiring soon, we have to readjust out thoughts on how much is too much from our portfolio.We all invest ...
Choosing a Variable Annuity By: Scott Demonte
Choosing a variable annuity can be very frustrating. There are so many to choose from and the benefits seem so complicated. You must do research on the product you want to buy, it could save you big time.With variable annuities and living benefits becoming more and more popular, you need ...
Variable Annuity Performance By: Scott Demonte
I have been reading articles on variable annuities lately and they are all saying the same thing, variable annuities under perform the market. What about variable annuity sub-account performance, do they really under perform? This is a great question.Variable annuities have been beaten up and torn apart by the critics ...
Choosing The Right Broker By: Scott Demonte
Picking or choosing the right broker is just as important as choosing your investments. A good broker is worth their weight in gold and a bad broker can do untold damage. Make your choice well, as your investments depend upon it.How do you find a good broker? You have to ...
The New Variable Annuity for Income By: Scott Demonte
Income in the future for retirees will be a problem. Studies show that 80% of our retirement income will have to be generated from personal savings. A variable annuity can help with this problem.We are in the wave of baby boomers retiring over the next 10 years. That is 77 ...
How Mutual Funds are Really Taxed By: Scott Demonte
Mutual funds are taced at long term capital gains rate right? Wrong. There seems to be some confusion to how mutual funds are taxed. What you need to know is there are distributions on mutual funds that are taxable. These are called annual distributions and are made in late November ...
Choose The Right Annuity Broker for You By: Scott Demonte
Choosing the right broker or agent is as important as choosing the right annuity contract. You either can get a really good person or a really bad person. The person you choose has to take your interest, concerns and suitability into account. This means he or she has to ask ...
Experts Are Always Right Arent They By: Scott Demonte
Let's take a look at the history of expert advice over the last 20 years. Variable annuities have been scrutinized badly over the last 10 years or so, for some valid reasons, but mostly for the wrong reasons. If we look back over the past 20 years we will see ...
Variable Annuity Living Benefits Explained By: Scott Demonte
One of the major reasons living benefits have grown in popularity is because they reduce investor risk. The popularity is a direct result of poor market performance. Living benefits evolved because of this market decline and have made investing easier.As the market had its steady and severe decline in the ...

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