Just imagine someone saying to you: “Mrs. Jones, how would you like to buy a sugar loaf, this sugar loaf is very unique, when you add sugar to your sugar loaf, the sugar increases but you do not have to ever pay taxes on the sugar the sugar loaf earns. Plus the interest earned on the sugar in your sugar load is fully guaranteed and the sugar loaf itself is also guaranteed. "
If you can retain and then gain, don't you win? The stock market is up, the stock market is down, day after day. Stress among many people worried about the future is very high. If you have experienced losses in your IRA and are concerned about your future retirement options, answer a few questions [...]
A bank guarantees the deposit and interest on a bank CD, with a fixed interest annuity, the insurance company guarantees the product. There is one basic different between a bank CD and a fixed interest annuity, the tax liability on interest earned in a fixed interest annuity is deferred until the funds are touched or used. Interest rates can vary between states of residence and offerings from insurance companies.
Gamble in Las Vegas with a guarantee to never lose? To good to be true? If you had the opportunity to gamble in Las Vegas but were guaranteed that you would never lose, would you go? Can you imagine the chaos that would envelop Las Vegas’s casinos if everyone won? Of course, we know [...]
Myths or facts, make sure your understand the difference Corporate media is mostly aligned against annuities. Could financial bias drive this demonization? Traditional financial institutions (Wall Street) spend vast amounts of money advertising on corporate media properties. What is the truth about annuities? How can one product be so loved and vilified at the [...]
Annuities » The Stock Market, The Magnificient Twenty and Volatility The theme of the fixed/indexed annuity message is safety and security. There is plenty of research and studies to back up the fact that these plans work and they work well. When you are retired, everything works completely different than when you were working. It’s like doing everything in a mirror. Money management activities become opposite to when a person is working. Safe money fixed/indexed annuity accounts grow on a guaranteed basis, with no risk, even in uncertain economies that occur from time to time.
The Investment Pyramid For Asset Allocations The idea of an investment pyramid is based on building the foundation (the bottom) the middle (some risk but higher reward) and the top (high risk and high reward). The concept is simple, build your base and add the other portions as you work to gain your financial goals. [...]
Annuities were designed to be a tax deferred alternative for conservative investors stuck in between risky direct forays into the markets on one side and woefully inadequate returns from interest accruing retirement plans. Annuities offer a great deal of flexibility to investors in terms of selecting sub-accounts, period and amount of investment, whether or not to take on any risk as also the methods of investment accumulation and distribution.
Our product has evolved into the mainstream (or vice versa) of important retirement planning. It now offers guaranteed income riders that have changed the way retirement is planned. And yet, it was only ten years ago at a meeting in Des Moines when Sheryl Moore first suggested that a guaranteed income rider sitting on the [...]