The following question can help you determine whether an
indexed annuity is a smart addition to your retirement portfolio.
- Would you like the opportunity to participate in market growth
while protecting your principle and earnings?
- Have you contributed the maximum to your employer-sponsored
retirement plan (e.g. 401(k) plan) and/or an IRA and want additional
tax-deferred investments? click on the blue link for an example of
tax deferred growth)
- Would you prefer to defer paying taxes on your interest
- Do you anticipate a lower income tax bracket when you retire?
- Do you want your heirs to have assets that avoid probate?
- Do you want additional investments that are protected from
- Are you under 591/2 years old with a 401(k) or other
employer-sponsored retirement plan that you wish to roll over and
want to avoid the penalty tax?
Answering yes to some or all of these questions may mean an annuity
is a wise investment for you.
Indexed Annuities are insurance products that, as an investment, fit
between CD’s and stock market equities in both volatility and growth
potential. While stocks have a greater potential return, they also
have a much greater potential for loss. In the 50 year period from
1957 to 2007 there have been 14 down years. In 2000 & 2001 the
market declined 46%. If that happened to you, it would take 6.6
years at 10% growth for you to be back to break even. If you had an
indexed annuity you would have suffered no losses during that period
and been moving forward again in 2002.
Modern Annuities are purchased more frequently for their
accumulation advantages than for their distribution characteristics.
If you are looking for comfortable retirement growth without fear of
losses, with principal protection & interest protection, a fixed or
indexed annuity product may be right for you.
you can’t get to the Golden Years without the Gold”
For a more detailed look, please click on this link to an Article on
Power of Tax Deferral"
What did you have in mind? Let’s find a solution together. For more
information on this and other subjects call Bruce at 407-765-9444
or fill out the form on our Contact Page.
You may also refer to out Learning Center on this subject in the
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