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Nothing contained on this Website constitutes tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a solicitation or offer by The Wealth Planning Center or its affiliates to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold The Wealth Planning Center, its officers, directors, authors, consultants, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from your violation of these Terms or from any decisions that the visitor makes based on such information.

The investments and strategies discussed in the Website may not be suitable for all investors and are not obligations of The Wealth Planning Center or its affiliates or guaranteed by The Wealth Planning Center or its affiliates, consultants and employees.

The Wealth Planning Center makes no representations that the contents are appropriate for use in all locations, or that the information transactions, securities, products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties. By making available the information on the Website, The Wealth Planning Center does not represent that any investment vehicle or advice is better or worse, available or suitable for any particular user. All persons and entities accessing the Web Site do so on their own initiative and are responsible for compliance with applicable local laws and regulations. Fixed, Indexed and certain other Annuity products are contracts and require you to complete your due diligence like any other retirement or investment product before you purchase for your portfolio or goals.

All investments involve risk and may lose value. The value of your investment can go down depending upon market conditions. Self directed I.R.A. investments are subject to certain prohibited transactions and regulations under I.R.S. rules. Fixed income investments are subject to risk including interest rate, credit, market and issuer risk. Currency exchange rates may cause the value of an investment to go up or down. Alternative strategies involve higher risks than traditional investments, may not be tax efficient, and have higher fees than traditional investments; they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain. 2017 Online Insurance Network 

Equity Indexed Annuities

An equity indexed annuity, is also known as an indexed annuity contract, is another alternative to the two primary types of annuities, a fixed annuity and variable annuities.

Instead of offering the fixed investment return of a fixed annuity or the variable investment return of a variable annuity, the equity indexed annuity offers a little bit of both. Like a fixed annuity, there is a minimum crediting rate guaranteed by the insurer, and, like a variable annuity there is a component of the product’s investment return that is linked to a specific equity index allowing for gains tied to an index ( NASDAQ, DOW JONES, RUSSELL )

This is how the income is generated through rising with the correlated gains of a market or index in which it is tied to. Annuity providers will typically offer a choice of indexes or markets to choose from. A equity indexed annuity product will generally offers a higher return than fixed annuities, but a lower return than variable annuities. Indexed annuities are quite close to variable annuities however, without the risk of losses. Many of these will have a floor ( Limiting any losses while protecting principal investment). In exchange for downside protection in the event the related index declines significantly in value, via the minimum crediting method the floor retains the principal and possibly the gains. Participant may have additional fees over and above the cost of a fixed or variable annuity. In addition, there are fees to cancel the contract if done to early in the maturation process of the annuity.

And finally, this type of investment is often difficult for participants to understand, as the method of calculating the indexed return is complicated and varies by insurer—everyone is different. Indexed annuities are growing quickly in popularity due to the safe money factor and lack of losses when nearing retirement. When you are ready to learn more and need to have a better understanding of the myriad of safe retirement options available to you be sure to schedule a call with The 401Kman 877-775-0812. 

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