In earlier articles, we've seen the benefits of structured
settlement annuities over lump sum payments. For some, this
protects them from the temptation of spending the bulk of their
payment on unsound or unwise investments. Protection and incoming
cash flow over the long haul are what structured settlement
annuities provide. However, not every person faced with a lump sum
payment necessarily will be tempted to spend the money rashly.
Obviously, there are people who are savvy investors and think that
given the opportunity with a lump sum payment over a structured
settlement annuity, they will be able to make more money investing
on their own.
Laptop Battery With that in mind, let's take a look how a structured settlement
annuity compares with one of the most popular investment
vehicles, the equity income mutual
fund.
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Thinkpad First, let's look at who issues the annuity and the mutual
fund.
A structured settlement annuity is issued by a life insurance
company. An equity mutual fund is issued by and
investment company that pools the assets of multiple investors in
equity securities.
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Microsoft Next, let's look at the long term capabilities of each to
provide a lifetime income.
An annuity payment
plan is created up front and is
a predictable and dependable source of income that can not be
outlived. A mutual fund can be a high paying investment. However
it can also be highly volatile and unpredictable based on market
conditions and can actually lose money and stop your earnings if
the fund performs poorly.
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Laptop Computers What about guaranteeing the payouts?
An annuity is guaranteed by the issuer of the annuity based on the
terms of the structured settlement. A mutual fund is solely
dependent on market activity and thus can not be guaranteed.
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Laptop Computer What about costs?
The annuity has no cost associated with it. A mutual fund can be
subject to a number of fees, like a
sales load, yearly management
fee, and marketing expenses. Even the lowest cost index funds
have some costs associated with them.
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Desktop Computer What about keeping up with inflation?
A structured settlement annuity can have a cost of
living adjustment incorporated into
the annuity at the time it is designed. An equity mutual fund can
outperform inflation based on how the underlying securities
perform. However it is difficult to predict what the return will be
and remember "past performance is not and indicator of future
results."
Notebooks But what about the dreaded T-word....Taxes??
A structured settlement annuity is tax free as long as the money
received is the result of personal physical injury or physical
illness. As income is earned from an equity mutual fund taxes,
capital gains, income etc, must be paid.
Lenovo What about flexibility?
A structured settlement annuity payment amount and schedule may
not be altered at any time. Conversely, money can be moved in and
out of mutual funds. However, taxes, sales
loads etc may be applicable with each transaction.
Hard Drive Michael DeGeorge has done extensive research on structured
settlements and shares a wealth of information on his website
http://structsettle.gitgoingnow.com. Download
your free Structured Settlement Annuity information
today.
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