Annuities and Sinking Funds; Analysis


Annuities and Sinking Funds

  1. Annuities are financial products that are based on the premise that with time they grow and increase in terms of value. I indeed do need to have annuity so as I can have a guaranteed good old age. An annuity does not go with age per se but comes with capability. Once a person has started having an income, they should take up annuities to be able to cushion uncertainties in the future like retrenchment and a significant decrease in income level (Brown, 2001). The stock market affects the fluctuation in the value of the annuities.

When it comes to annuities there are basically three concerns that are common. These concerns include; the fear that one may outlive the investment, the risk of losing the investment and the effects of inflation on the investment. First of all most annuities are meant to pay for someone until the day they die regardless of the number of years one lives; they are like pension schemes (Cannon, 2008). Inflation always has an effect on investment; however, the effect can only be notable when the level of inflation has exceeded the normal below 10% inflation annually.

Types of Annuities

There are four types of annuities that are offered and the individual is asked to choose as per the one that is more applicable to their situation.

  • Variable annuities- it offers a wide range of investment opportunities with time. It is diversified and the risk is spread throughout the economy so that the collapse of one industry does not mean that the investment is lost (Cannon, 2008).
  • Fixed annuities- it is an investment that is expected to grow at a fixed rate. It does not diversify into different industries.
  • Immediate income annuities- this is for those who would like to begin earning immediately after investment. However, it has a payout period but if the investment is big it can last for a lifetime.
  • Modified guaranteed annuities- it offers tax-deferred earnings with a fixed rate option.

All these offer different packages for the different people who have different income and different needs.

  1. The article is annuities may be a smart fit for your investment plan retrieved from

Annuity involves making a financial investment that is expected to be of use when one becomes older. It is also meant to ensure that one does not become a dependant and cushion economic uncertainties. I chose this article because it enlightens the common person on the advantages and the caution to be taken when dealing with annuities. It clearly spells out how annuities work. At the same time, it gives a clear explanation of the different types of annuities and their benefits.

Taking up an annuity is a risk that, the article focuses on the different policies and the risks associated with each one. The article is categorical on how the annuitization is turned into period payments to the individual after a specific period of time as stated in the contract.

These differences are meant to cater for the difference in the needs of potential clients. The article also focuses on the wellbeing of the loved ones who stand a chance to benefit in case of death of their sole provider. The policies cater to the well being of the spouse and children under the age of 18. This means that death does not necessarily have to mean that a family will endure financial constraint together with the emotional loss they would be feeling.


Brown, R. J. (2001). The Role of Annuity Markets in Financing Retirement, Colombia Publishers

Cannon, E. Tonks, I. (2008). Annuity Markets, Oxford University Press, New York

Annuities may be a Smart Fit for your Investment Plan, Retrieved from


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