Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Marguerita is a Certified Financial Planner (CFP), Chartered Retirement Planning Counselor ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Investopedia / Michela Buttignol The future value of an annuity calculates how much a series ...

An annuity is an insurance contract you purchase to receive payments for a specific period, such as 30 years, or for the rest of your life. By applying a mathematical formula consisting of variables ...

Reviewed by David KindnessFact checked by Ariel CourageReviewed by David KindnessFact checked by Ariel Courage The present value interest factor (PVIF) is a formula used to estimate the current worth ...

Too many financial decisions are made without factoring in the time value of money. Whether providing financial planning advice related to a client’s retirement, advising a client about a business ...

You may think saving for retirement is as simple as throwing a few bucks into your 401(k) every paycheck. However, accounting for retirement’s complexities and costs goes beyond piling up money in an ...

A perpetuity in finance is a stream of payments or cash flows that is presumed to extend indefinitely into the future. Learn the importance of perpetuities, with the help of examples of investments. A ...