While there can be several advantages to an investment annuity, court ordered structured settlement annuity, family inheritance annuity or any other program that makes periodic payments over time, SSE Capital Funding wants all clients to know that turning those payments into a single sum of cash should only be done after their due diligence on the issue, and after they have decided that the process is necessary and/or simply the most desirable financial outcome for them personally, as there may also be disadvantages to the payment stream to consider as life changes occur.

Periodic Payment Disadvantages

   Having discussed and disclosed the definition of Structured Settlements, payments delivered to you over time may have disadvantages like :

1 Easy, quick access —  There may be a need to pay debt, settle a divorce, purchase a home, take a vacation, finance a wedding, start a new business, but what ever it is you need the cash NOW, not later.

2 Missing interest or Yield —  as interest or yield opportunities change or arise that allow you to make more money than your current investments or structured settlement basis is at present, you may want to reallocate money from existing income payment streams to new and better-producing ones.

3 The deteriorating trend of inflation —  this could eat away at the future earning power of your money IF you won't have it in your hands until your schedule permits it.  (You should, though, check with your attorney or financial counselor, inflation protection MAY be included in your cash flow instrument) You can , in almost all cases needed, sell ALL, or JUST SOME of your periodic income "stream" to avoid the drop in real value from inflation.

The decision to seek one cash amount for some, or all of your payment stream payments should ONLY  be made you after counseling with your attorney, investment adviser, family members, clergy or other trusted advisor, OR AFTER COUNSELING WITH ALL OF THEM, to make sure that you are making the best decision for yourself at that time.

 IF, indeed, you decide that your situation demands that the best action to take is to turn that cash flow stream into a lump sun of cash, WE will be able to help almost everyone who wishes us to accomplish that transaction.