Ep. 2004: The Annuity Rules Keep Changing

Indexed annuities promise market-like gains without market losses—but Don and Tom explain how commissions, surrender charges, spreads, participation rates, and even changing contract terms can leave investors with disappointing returns and very little transparency.They also discuss how much cash belongs in a retirement “reservoir,” why falling bond prices do not make high-quality bonds riskier than stocks, and how MYGA tax deferral works through a 1035 exchange.01:31 Musical royalties and an annuity joke02:26 Why indexed-annuity sales keep soaring05:52 When the insurer changes the rules11:32 Investments Don would avoid14:41 Designing a retirement cash reservoir22:05 Why bond-fund prices have fallen26:22 Extending MYGA tax deferral29:34 Free portfolio analysis31:51 Disclosures

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