| Author | Message | ||
     Secondcup Junior Artist Username: Secondcup Post Number: 988 Registered: 02-2008 Posted From: 67.164.24.16 Rating: N/A |
 Mr.HYD  | ||
| Secondcup Junior Artist Username: Secondcup Post Number: 985 Registered: 02-2008 Posted From: 67.164.24.16 Rating: N/A |
konchem alge vundi.  manchida kaada anedi cheppandi chaalu, I mean MAssmutual company private di kada.how reliable is that ani oka ques + vaadu cheppina plan manchidena leka emyna loopholes vunai antava. plesae email me secondcup08@gmail.com | ||
| Der_schuler Side Hero Username: Der_schuler Post Number: 5443 Registered: 01-2009 Posted From: 68.46.187.214 Rating: N/A |
etannai ardham kaledha | ||
| Secondcup Junior Artist Username: Secondcup Post Number: 984 Registered: 02-2008 Posted From: 67.164.24.16 Rating: N/A |
 Thank you Der tammudu. can you please email me at secondcup08@gmail.com | ||
| Secondcup Junior Artist Username: Secondcup Post Number: 983 Registered: 02-2008 Posted From: 67.164.24.16 Rating: N/A |
 | ||
| Der_schuler Side Hero Username: Der_schuler Post Number: 5440 Registered: 01-2009 Posted From: 68.46.187.214 Rating: N/A |
junta keep bumping this for maa aakunuru andagadu...annai | ||
| Der_schuler Side Hero Username: Der_schuler Post Number: 5423 Registered: 01-2009 Posted From: 148.159.160.51 Rating: N/A |
The first question u got to ask urself before entering these products is the level of transparency and adaptability in the underlying funds of your account. Traditional wisdom says that one shud have some degree of independence there so that an investor like you and me can have the independence to re balance to funds of our choice...this comes with a proviso that U know a fair deal abt the existing equity conditions!!! else go by analyst ratings and invest in funds that are fixed income high yield once you approach 55 and expose urself to more equity risk if u are younger than that | ||
| Der_schuler Side Hero Username: Der_schuler Post Number: 5422 Registered: 01-2009 Posted From: 148.159.160.51 Rating: N/A |
or if you have a view about the Interest rate environment i.e u expect 20 years down the line, Interest rates and yields will be lesser than today (assuming non positive correlation between anticipated equity uptick and interest rate uptick)..u can buy a GMWB that can be rolled into a buy out annuity like GMIB...that will save you from Interest rate exposure. these are again tad riskier and hence pricier than traditional LB's | ||
| Der_schuler Side Hero Username: Der_schuler Post Number: 5421 Registered: 01-2009 Posted From: 148.159.160.51 Rating: N/A |
GAB....generally oka tenor accumulation period untundhi....all these gaurantees are equity linked with unlimited upside potential and no downside potential...they are complicated put options written by the Insurance firm to you. GAB's ki....it is either 5,10 0r 20 year tenor....depending on the issuer.....AB's generally are more pricier...cuz one has the choice to get the ROP (return on initial premium) after the tenor...or one can roll it for the next tenor length. All these Guarantees are equity linked products which have significant equity risk. Understanding these products is very important before investing into them cuz the timelines involved are typically ~ 10 years. GMAB's are good if you have a plan to save and need the flexibility to reinvest to participate more in the market upside by opting out of the tenor roll after the initial 10 years etc....I think u are allowed 2-3 roll over periods depending on the price of the product. The M&E fees for these products are typically the highest amongst the living benefit products...around 80-90 bps. If you are a conservative retiree and want to have a steady income stream post your retirement, GMWB's are advisable. Since you lock in for longer investment horizons, the fund management fees for these are tad lesser than AB's. So in short, if you want to have the privilege to able to withdraw after shorter lockin periods i.e ~5-10 years...i.e you want to participate in equity market rallies, GMAB is your vehicle....Commensurately, since u are exposing the insurer to withdrawal risk along shorter investment horizon, he will administer more fund management fees...as opposed to traditional life products. Currently VA market is underpriced and u will see the fees for all these products go up in this year and the next owing to tighter regulatory standards across the west | ||
| Secondcup Junior Artist Username: Secondcup Post Number: 982 Registered: 02-2008 Posted From: 67.164.24.16 Rating: N/A |
Hello Der tammudu,Raju saab and MrHYD brother and other financial gurus, Today I went to talk to a CFP from MassMutual Financial Group, as per him GMAB (Guaranteed Minimum Accumulation Benefit) is good ani cheppadu. asaalu e company elatido naku teliyadu + e GMAB gurinchi konchem cheppandi. after 10yrs even market went down they will give/guarantee our prinicipal money annadu.okavela money perigithe manake benefit kada. konchem meeku time vunnadu clear ga cheppandi. TIA gurus. |
