Talking Real Money - Investing Talk
Talking Real Money - Investing Talk
Don McDonald
Ep. 2004: The Annuity Rules Keep Changing
33 minutes Posted Oct 21, 2026 at 4:00 pm.
Musical royalties and...
Annuity Royalties Jokes
Indexed Annuities Under Fire
Rules, Commissions, and SEC
What Not to Own
Gambling or Investing?
Retirement Cash Reserve Plan
Bond Prices and Rates
MYGAs and Tax Deferral
Portfolio Checkup Help
Disclosure and Disclaimers
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Show notes
Indexed annuities promise market-like gains without market losses—but Don and Tom explain how commissions, surrender charges, spreads, participation rates, and even changing contract terms can leave investors with disappointing returns and very little transparency. They also discuss how much cash belongs in a retirement “reservoir,” why falling bond prices do not make high-quality bonds riskier than stocks, and how MYGA tax deferral works through a 1035 exchange.