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ANNUITIES
If you have stocks, bonds or investments do you have a floor when their value drops? A well planned out retirement plan changes in its risk factors as you near your retirement goals and minimizes risk. Annuities can minimize your losses and protect your principal. They are the best financial product to serve this purpose.
The variety of annuities available can offer many choices towards a safe retirement. Including a Fixed or Indexed Annuity in your retirement plans can guarantee a lifetime income stream in the future with no losses.
Other choices in Annuities can include Hybrid Fixed-Indexed and Variable choices.
The other great feature annuities offer is they will always have a greater rate of return than what a bank typically will offer through a Certificate of Deposit rate.
If you are looking for investments and in need of retirement planning call us to find out how an annuity can greatly add to your retirement savings program safely.
Call the experts at The401Kman toll free at 877-775-0812 or fill in the request form below for free information.
Annuities can offer options which are called riders and these will vary by what the insurance carrier has put into the annuity contract and will offer added benefits to you.
This is where an annuity will shine it is a contract to guarantee you gains (Fixed Annuities) or ride the markets up with no chance of losses (Indexed Annuities) The downside is that you are guaranteed gains but not at the same rate that Wall St may earn.
I will explain it here, if you have an Indexed Annuity contract that guarantees 5% monthly cap rate on your investment principal, and in January the market increases by 5%, that is good February the months average gains are 7%, and March the market index drops by 4% you will have your principal gain in January of 5%, February gains of 5% (The other 2% goes to the insurance carrier you have a 5% cap rate) and March when the markets average plunged 4% your principal had ZERO gains and ZERO losses, ( The insurance carrier has absorbed the losses of the market swings) Now lets say at the end of the year if you have no losses ( A few months of ZERO gains) and a few months at 5% and a few at 3%without losses. the insurance carrier will now add all the months together and then divide by 12 months to average your rate of return.
The variety of annuities available can offer many choices towards a safe retirement. Including a Fixed or Indexed Annuity in your retirement plans can guarantee a lifetime income stream in the future with no losses.
Other choices in Annuities can include Hybrid Fixed-Indexed and Variable choices.
The other great feature annuities offer is they will always have a greater rate of return than what a bank typically will offer through a Certificate of Deposit rate.
If you are looking for investments and in need of retirement planning call us to find out how an annuity can greatly add to your retirement savings program safely.
Call the experts at The401Kman toll free at 877-775-0812 or fill in the request form below for free information.
Annuities can offer options which are called riders and these will vary by what the insurance carrier has put into the annuity contract and will offer added benefits to you.
This is where an annuity will shine it is a contract to guarantee you gains (Fixed Annuities) or ride the markets up with no chance of losses (Indexed Annuities) The downside is that you are guaranteed gains but not at the same rate that Wall St may earn.
I will explain it here, if you have an Indexed Annuity contract that guarantees 5% monthly cap rate on your investment principal, and in January the market increases by 5%, that is good February the months average gains are 7%, and March the market index drops by 4% you will have your principal gain in January of 5%, February gains of 5% (The other 2% goes to the insurance carrier you have a 5% cap rate) and March when the markets average plunged 4% your principal had ZERO gains and ZERO losses, ( The insurance carrier has absorbed the losses of the market swings) Now lets say at the end of the year if you have no losses ( A few months of ZERO gains) and a few months at 5% and a few at 3%without losses. the insurance carrier will now add all the months together and then divide by 12 months to average your rate of return.
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ALL INFORMATION PROVIDED ON THIS WEBSITE IS FOR EDUCATIONAL PURPOSES. ALL INFORMATION PROVIDED IS NOT TO BE INTERPRETED OR CONSTRUED AS LEGAL, TAX, FINANCIAL OR ESTATE PLANNING ADVICE. YOU MUST CONTACT A LICENSED AND/OR REGISTERED FINANCIAL PLANNER, FIDUCIARY, ESTATE ATTORNEY, RETIREMENT PLANNER OR ADVISOR FOR INFORMATION ON YOUR INDIVIDUAL CIRCUMSTANCES. ALL INVESTMENTS CAN CONTAIN RISK AND EXPOSURE TO LOSSES OF YOUR PRINCIPAL.
