 Fed up with
sleepless nights wondering what will happen with the financial markets and
interest rates?
We have a safe investment-savings vehicle that
gives you the security you want and need.
Remember the stock market 'roller coaster' ride
after September 11th? What about the Fed's eleven interest rate cuts that
have already reduced some senior's incomes by as much as 90%! Not to
mention tumbling CD rates.
Protect your money from "wild" stock
market swings! These swings continued, in 2007 & in the future.
You'll be pleased to learn that annuities have
proven to be one of the most reliable sources of capital growth.
|
" I am more
concerned
about the return of my
money
than with the return
on my money."
Will Rogers |
It's a fact!! Annuities
guarantee your investment!!!
It's time to talk
annuities...
It's not that you lost your courage. It doesn't
mean you are not a savvy investor. Let's just say your interest in super-safe
investments shows a newfound respect for the market's mean streak.
It may be disorienting to find yourself gazing so
raptly at rates of return like that after the heady investment climate
years prior to 2000. Then again, these days there's an undeniable appeal to
looking at a rate-of-return figure that doesn't have a minus sign in front
of it.
Enter the
annuity.
With either fixed or
index based
deferred annuities, you can now be in control.
-
The Deferred Annuity: A deferred
annuity is just like a CD with a bank except that the annuity
contract is with an insurance company. Historically, the
interest rates payable on annuities are higher than bank CD
rates. Here is where the similarity stops, the major
difference between the two is income taxation. The interest
earned on a bank CD is taxed each year (whether or not it is even
paid to you and even if you don't need it each month for living
purposes). The interest earned on a deferred annuity will
compound
tax free until withdrawn. As a result your money
grows faster!
Past
events coupled with a sagging economy had contributed to a great sense
of uneasiness for everyone. Needless
to say, this has carried over to the personal finances for many of my
clients. Whether it be
non-qualified monies or IRA and 401k monies.
Most
people tend to hold back on financial decisions during an economic slow
down. Many may have lost
most, if not all, of their gains in mutual funds, stocks, and even in
variable annuities. While
everyone would likely agree that one should buy low and sell high, most
people cannot identify the "right" time.
One major reason people cannot identify good opportunities is
because of emotion — namely fear.
For so long, people took exceptional gains for granted.
Now people are mostly concerned about not losing anymore than
they already have.
- One of
the most successful investors of our time, Warren Buffet,
said that you should:
"Only buy something that you'd be perfectly happy to hold
if the market shut down for ten years." |
For more on annuities see
our
guides on fixed
and index based |
