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You Are Considering an Annuity- And, you are educating yourself- You are No Dummy!

Annuities for Dummies is actually an excellent book by Kerry Pechter, who writes an informed website at

Annuities Explained

Annuities are often misunderstood, frequently sold to the wrong people for the wrong reasons, but fundamentally they offer unparalleled guarantees to income, principal, and safety.  Aligning your interests and a reasonable portion of your assets with a strong insurance company with excellent credit ratings and reserves is a smart thing to do.

Conversely, believing the you are smarter than the market, can manage your own investments for optimial performance, and that you can take income out of your portfolio year after year and never face a shortfall or the threat of running out of your money during your lifetime, his hubris.

It is our belief that a portion of an investor’s assets should be allocated to lifetime guaranteed income.  Guaranteed income should be sufficient to cover guaranteed expenses.  Guaranteed expenses are guaranteed to increase over time as inflation is a prevalent factor in our economy, so whenever possible, guaranteed income should be inflation adjusted or should increase with time.

If the dummy knows nothing else about annuities other than that they can produce income for life, and that that is a good thing, then that is sufficient.


“For all time periods and for all portfolios, the addition of the annuity leads to a decline in the portfolio failure rates.”

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