The reason that I say an annuity is a “guaranteed investment in your future” is because it is.
You can (provided you follow the policy terms) set aside an amount of money in the common investment vehicles for retirement like: Savings Bonds, IRAs, 401K’s, Mutual Funds, Stocks, Gold & Silver, Real Estate… etc. BUT, none of those methods are able to provide the following three benefits to you:
- A Guaranteed Income for Life
- A Guaranteed Income Even After You Die For Your Spouse
- An Ability To Continually Protect Your Investment from Loss While Making Real Significant Growth Possible Without Taking The Major RISKS Involved When You Invest In The Stock Market
There is no “snake oil” in the modern day annuity. It is not a traditional annuity by any sense of the word “annuity.” Today, indexed annuities and fixed indexed annuities can provide you the protection and the real significant growth that you cannot find by investing in the stock market…
As someone approaching retirement with over $1 million invested in the stock market, your money is at a huge risk. While you may feel your money has the potential for maximum growth in stocks, the reality is even with a great broker and a well performing retirement portfolio, you likely saw a huge hit in the 2008 and 2009 crash. And, if you are a baby boomer like me, you may have suffered those losses more than once in life?
Am I right?
Well the point is, you no longer need to keep your money in harms way to make more money. You do not have to risk it all in the stock market or watch it widdle away, being worth less and less stuffing it under the mattress while inflation erosion takes place on your dime. The solution is an annuity. Not a variable annuity, but an indexed annuity or a fixed indexed annuity.
YOU MUST understand that investing in an indexed annuity still allows you to invest your money on the performance of an index, for example the S&P500 or Barclays. And, with that you are also guaranteed that your money cannot be lost, meaning when the index under performs and actually takes a loss, the money you have invested into the annuity remains at the last principal balance amount (virtually untouched unless you have drawn more than the 10% annual disbursement). As you watch the index perform well you money is allowed to participate in a nice portion of the gains paid by the annuity as compounding interest on your principal balance.
All the while any year the index under performs or loses money, you never lose a penny. Anytime the index performs well, your investment in the annuity receives money compounding on the initial investment.
The best part is right here:
When you invest in an annuity with a nice sized deposit amount, you can be offered a guaranteed bonus for the commitment into the fixed indexed or indexed annuity policy. Over your term your retirement investment is working for you, and when you are ready to take your retirement disbursements, they will be given to you and your spouse on the annuity policy schedule for the duration of both your lives, should you choose to receive a pension on your annuity policy balance. At the end of your lives the remaining balance in the annuity policy will be turned over to the beneficiary providing a legacy for your family’s future, built upon the wise investment that you made in your future. That Is Why It Pays To Invest In A Fixed Index Annuity! Invest in your future with a complementary copy of my new book “The Pros and Cons of Index Annuities.”
