Income by amount

What a $50,000 annuity pays — and what $50,000 buys here

Name: Pacific Structured Assets, Inc.
Address: 2626 Foothill Blvd, Ste 200, La Crescenta, CA, 91214, US
Telephone: (800) 928-7680

Fifty thousand dollars is where most investors start with these assets, and it is close to the practical minimum: each payment stream is priced as a whole, and the smaller listings tend to sit in this range. A new annuity turns $50,000 into income at whatever rate the insurer quotes that month. Here, the same money buys one existing schedule with the price, the carrier, and the estimated yield already on the page.

Reviewed by Evan Chait, Esq., Senior Vice President, OperationsUpdated July 30, 2026

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The honest frame

Two ways to turn $50,000 into income

With a newly issued immediate annuity, an insurer quotes a monthly payout for your age and rates at the time you buy — part interest, part return of your own principal. Illustrative only: payout quotes move with rates and your profile, which is why no honest page can print one number for everyone.

A secondary market annuity inverts the exercise. The schedule already exists — fixed dates, fixed amounts, an insurance carrier already obligated to pay — and you buy the right to receive it at a discount. The estimated yield is stated up front, and on current inventory runs roughly 4–7 percent. The trade-off is limited liquidity: these are long-term holdings.

A worked example

What a $50,000 stream tends to look like (illustrative)

A stream in this range is usually a single, modest schedule: monthly payments of a few hundred dollars running eight to twelve years, or one deferred lump sum due years from now at a discount to its face amount. As an illustrative frame only, $50,000 committed at the estimated yields current inventory has carried might collect somewhere in the range of $65,000 to $80,000 in total scheduled payments, with the exact figure set by how far out the payments run. Longer wait, deeper discount, higher estimated yield.

The trade to understand at this size is concentration. One stream means one issuing carrier, so read the carrier's financial-strength rating the way you would read the rate. Every listing names both.

Starting at $50,000

One stream, chosen carefully

There is no account minimum here, so $50,000 does not need to stretch. It needs to fit: a schedule whose start date and length match when you want the income back. A stream that begins paying next year suits an investor who wants income now; a deferred lump sum suits one who is parking money for a known future expense.

If you plan to hold the stream in a self-directed IRA, weigh the custodian's flat annual fees against the purchase size. A fee that is a rounding error on a large portfolio is a real fraction of the return on $50,000. PSA does not provide tax advice; your custodian and tax advisor can put exact numbers on that.

Live inventory

What $50,000 buys right now

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For example: $54,943.26 currently buys the right to collect $93,873.78 in scheduled payments from Prudential — an estimated yield of 5.50%. This section updates as inventory changes.

GuaranteedNo. WO002321

Prudential

5.50%estimated yield

Purchase price: $54,943.26
Total scheduled: $93,873.78
Payment window: Jan 2028 – Mar 2047

AvailableTerms →

GuaranteedNo. CD001370

Genworth

5.90%estimated yield

Purchase price: $68,302.84
Total scheduled: $87,500.00
Payment window: May 2028 – May 2033

AvailableTerms →

GuaranteedNo. MJ001543

Prudential

5.50%estimated yield

Purchase price: $31,528.39
Total scheduled: $56,373.36
Payment window: Aug 2032 – Jul 2042

AvailableTerms →

Also see: $100,000$250,000$500,000

$50,000 annuity questions

How much does a $50,000 annuity pay per month?

From an insurer, it depends on your age and rates at purchase; for typical retirement ages the quotes translate to a few hundred dollars a month. On the secondary market the question inverts: each listing near $50,000 shows the exact schedule that price buys, with the estimated yield stated up front, so you compare concrete schedules instead of quotes.

Is $50,000 enough to invest in a secondary market annuity?

Yes. There is no fixed minimum, and the practical floor is simply the price of the smallest current listing, which is often in this range. Inventory turns over continually, so if nothing near $50,000 is listed today, the email list is the fastest way to see new streams as they arrive.

Should I split $50,000 across more than one stream?

Usually not, because few listings price small enough to make two purchases practical at this size. Most investors at $50,000 hold one stream and diversify carrier risk at the portfolio level, alongside their other holdings. Splitting becomes realistic from roughly $100,000 up.

What these assets are, and what they are not

Guaranteed and life-contingent structured settlement payment rights, and lottery payment rights, represent the right to receive factored payments that Pacific Structured Assets purchases and assigns to investors through a court-approved process. They are purchased at a discount to their total scheduled payments.

These payment rights are NOT annuities, NOT insurance products, and NOT securities registered with the U.S. Securities and Exchange Commission. They are not bank deposits, are not FDIC-insured, and are not protected by any state insurance guaranty association. The industry term “secondary market annuity” refers to these payment rights and does not mean you are purchasing an insurance annuity contract.

You acquire the right to receive the payments, not the underlying annuity. The annuity itself does not change hands. Unlike the original structured settlement annuity, which may be shielded from creditors under applicable law, the assigned payment rights you purchase generally do not carry that creditor or bankruptcy protection.

Assigned annuities, offered as a separate product line, are existing insurance annuity contracts reassigned to a new owner through a change of ownership or an irrevocable change of payee.

These are long-term holdings with limited liquidity, and may not be suitable for every investor. There is no public trading market and no daily price. Resale or reassignment of a payment stream to another buyer may be possible, and Pacific Structured Assets can assist, but a resale is not guaranteed and the price it would bring is not guaranteed. Because the payments are fixed, that resale value moves with prevailing interest rates: an investor could realize a gain if rates have fallen since purchase, or a loss if rates have risen. These holdings are best suited to capital an investor can commit for the long term. Nothing on this website is tax, legal, financial, or investment advice. Consult your own advisors before investing.

Pacific Structured Assets

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