Protect Your Principal – Guaranteed

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Most investors today reaching retirement are concerned first and foremost about the safety of their investments and the protection of their principal.

Fixed Indexed Annuities (FIAs) can be a great solution for conservative investors, offering protection from market volatility while still receiving very attractive interest rates and index returns. If income is what is needed in your retirement then remember, just like social security or pension plans that provide you a guaranteed monthly income stream for life an FIA is the only financial product that performs in the same manor. The safety of FIAs is that they are backed by the capital and reserves of the financial institution. Most other investments do not guarantee that your principal will be protected. The only way an investor can lose principal in an FIA is to take free withdrawals, take an income stream or surrender the entire account earlier then the contract date. Contract dates are offered as short as three years, similar to contract dates on CD’s.

 

Fixed Indexed Annuities (FIAs) have emerged as a product of choice for investors who want guaranteed returns on their investment or zero market risks, but still receive index growth. The growing demand for low risk, attractive investment alternatives have led to strong growth for investors looking to secure their investment portfolio. If you are closing in on retirement or are already retired, using the golden “Rule of 100” can be the smartest and safest strategy to live by in your retirement.

 

FIAs can deliver a greater rate of return then CDs, money market accounts, and bonds, plus can grow triple compound rate of return for you. Many FIAs can have a “Lifetime Income Rider” added that will pay you a guaranteed income even if a person outlives their money. The guarantee lifetime-income rider solves longevity risk and provides a guaranteed stream of income for life. “Like choosing a new car, FIAs can offer you many different options, so work with a qualified advisor to ensure you get the most bang for your buck in your retirement”. If you are wanting to preserve your principal from risk or loss, thus eliminating market risk, inflation risk, interest rate risk, and offer growth potential linked to multiple index strategies with no downside risk, then a Fixed Indexed Annuity may be the financial vehicle you need.

 

Contact Mike Gann or our team at   [email protected] if you would like personalized help.