The Purpose Of Money Dictates Where We Invest

Let me just say that all of America knows where to find Safety—CD’s, money markets, and treasury bonds.

All of America knows where to find an opportunity—the stock market. However, many do not know where to find safety, an opportunity for growth, liquidity, and income on the same dollar, at the same time, with no risk to your principle! Many people cannot maximize interest and have safety and lifetime income on the same money at the same time. We can solve that problem with the Fixed Indexed Annuity

The Fixed Indexed Annuity allows us to have safety, an opportunity for growth, liquidity, and income on the same dollar simultaneously, with no risk to your principle!!!

So the purpose of money does dictate where we invest!

Let me ask you, regardless of where you park your Retirement Dollars, do you have a plan in place right now to spend all those dollars in the next 10 years??  I know that most people will say “No” for two reasons:

  1. You hope to live longer than 10 more years.
  2. You would have to make a 10% return every year or run out of money, taking 10% out every year.


I don’t know where you can get that vehicle to make a guaranteed 10% return every year for the next 10 plus years. That is hard! That isn’t easy, and if you live long enough, you will run out of money, taking 10% out every year without making a 10% return to replenish what you would take out. However, when financial emergencies arise, having emergency funds readily available is very important, no matter your standard of living. 

The one thing a person has to have in order to retire and continue their lifestyle in retirement for “maybe 30 years” is an everlasting bucket of money or some way to guarantee income; or a paycheck for Life!!

What’s Important about life and the way we look at life does influence our investing. Do we invest for the purpose of having lifetime income, or do we roll the dice and hope that somehow everything just works out. With Fixed Indexed Annuities, we are able to control the market as opposed to owning the market with our money!

Fixed Indexed Annuities provide guarantees, offer no market risk exposure, they provide principle protection, and opportunity for growth.    


  • This field is for validation purposes and should be left unchanged.

Premium gift for you for registering for my newsletter

I am a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money.

Interested in additional information? Register for my FREE bi-monthly newsletter, "Layin' it on the line." It contains information that other people have found beneficial. I will never sell your information.

For registering, I have a Premium Gift for you.

Our 15th edition, “Safe Money Book” a $20 value

77,000 copies in circulation

Learn the basics of a Safe Money approach to investing.

And it is FREE with your "Layin' it on the line" newsletter

About the Author:

Ray Cessna
Ray Cessna specializing in guiding clients to take advantage of new state-approved retirement plans focused on Fixed Indexed Annuities, providing interest based on the performance. He and his wife Donna are established in the Conroe and Woodland area, raising three children, excited to include seven grandchildren and one great-grandchild to their family. Website:

Office: (936) 539-8823 | Ray Cessna Advisory LLC