Annuity Immediate Quote

I’m 33 years old and make 33.000 a year. I’m married, but my husband only works part-time, so his income is not always the same.
I’m a permanent resident so if decide to go back to my country, can I keep contributing towards the IRA? I’m confused because in the bank they told me yes and when I contacted fidelity they said no way!
What is the right option for me?
I do want to start a retirement plan but I don’t want to loose the money if I moove to another country or start another one…

Any suggestions?
Thanks for you help!

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Lately, I’ve been thinking much about an early retirement. Have worked over 20 years in the same company. Plus, always good to prepare as I’ve seen friends and family get an early retirement forced upon them. I was thinking about using an immediate annuity (along with a pension) for a guarenteed income stream. However, since a regular income wouldn’t keep up with inflation, I’d definitely still want to have money invested in mutual funds too.

Let’s say the annuity plus penison brings in about $50,000 a year, with about $400,000 left in other investments and a Roth IRA about $50,000. Also, no mortage in home, no dependents to provide for. With $50,000, some of that can still be used to continue investing in mutual funds even in retirement. Thus, if a bear market comes along, it’s comforting to know there is a steady income stream.

Would that combination of annuity and mutual funds be the best of both worlds for a stress free early retirement?

These would be invested with IRA funds. I am 70 years old.
Which type would be the best for me?

1: Regarding annuities, you can either make one lump-sum payment to purchase a single-premium annuity or make ongoing contributions to a flexible-payment annuity.
True
False

2: An immediate annuity is a financial vehicle that can provide guaranteed income for a short period of time only.
True
False

3: Your name, place of residence, and a brief description of your assets are typically part of what is included in a will.
True
False

4: Two of the most important items included in your will are naming a guardian for minor children and naming an executor.
True
False

5: A dying will is a separate document from your will that lets your family members know what type of care you do or don’t want to receive should you become terminally ill or permanently unconscious.
True
False

6: It is generally a good idea to keep emergency items in a safe deposit box.
True
False

7: Does FDIC insurance cover the contents of a safety deposit box?
Yes
No

Can someone please explain, in lay terms, what an immediate needs annuity is, and how it relates to paying for care homes.

Or, should I buy an immediate annuity? Home value $200,000, mortgage free. CDs $150,000. Paid-up burial policy and $5,000 life insurance policy. No debts except usual household expenses and home maintenance. Disabled son lives with me.

I’m trying to find out wether they are any good. If they are, who does them?
I know you pay a lump sum and in return get payments for care for the rest of life (lump sum being approx 4 to 5 x the annual payment).
Where can I get more independant advice?
Thanks

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I hope someone can resolve this question.Me and my significant other have been together for 17years we are not legally married.We went to a tax auction in our state of washington state the pacific northwest.We bought property and put the property in both of our names.We just put the property up for sale.My question is my significant other owes back child support. His son is in college now but still owes back child support.I need to know if and when we sell this property will there be a lein on the property because his name is on the property as one of the owners.and will they take out the back child support when we sell the property.We are selling the property on our own but if the buyer wants to go through a title company will this back support be taken out.We live in western washington near seattle

I know the definition of an annuity and I comprehend what it is, but where do they come from? Like after you retire, does your 401k turn into an annuity?

The advisor selling the variable annuity makes it sound too good.

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Below is the question- I just cant seem to figure out how to show for the rates given below as solution using a BA II calculator or any other financial calculator. Does anyone know how to solve for the rates using a calculator?

Bentley Inc. has bonds on the market making semiannual payments, with 12 years to maturity, and selling for $1,200. At this price, the bonds yield 20 percent. Note: default value for face value is $1000. What must the coupon rate be on Bentley Inc.’s bonds? Round your answer to two decimal places

The correct answer was: 24.45%

As the bonds make semiannual payments:
Time to Maturity = 12yrs × 2 = 24 years
YTM = 20% / 2 = 10%

Let’s denote C as the coupon paid each period
Bond value = [Annuity present value of the coupons] + [Present value of the face amount]
1,200 = $C × (1 – 1/1.1024)/0.10 + 1000/1.1024

Solve the equation, we get C = 122.26. Therefore, coupon rates = 2 × 12.23% = 24.45%

Thanks