WITH THE UNCERTAIN FUTURE OF SOCIAL SECURITY, MEDICARE AND THE STOCK MARKET, FIXED ANNUITIES PROVIDE MUCH NEEDED HELP IN PROVIDING FOR SECURE RETIREMENT INCOME
Stocks, bonds, certificates of deposit and mutual funds are common ingredients found in the typical retirement portfolio. All of these investments have a purpose, but often overlooked is the enormous benefits of fixed annuities.
PROTECT RETIREMENT SAVINGS FROM AN UNPREDICTABLE STOCK MARKET
Ten years ago, many people considered fixed annuities to be dull, boring financial instruments, which provided low rates of return, especially when compared to the exciting returns in a stock market that seemed to just go up and up.
Your retirement account needs to grow, but can you afford to take big hits in the stock market anymore? Today there is a new breed of annuity, designed to give you, the investor, locked-in annual gains when the stock market indexes move up, but no loss if the markets go down! You get safe returns--that alone is very important today when the stock market seems to fall so severely with every piece of bad news revealed.
You may also choose to have all or part of your money allocated to a fixed interest option, providing competitive annual returns, especially if rates go up in the future, as predicted.
BONUS INCLUDED!
The same special annuity that does everything already described has another feature that’s hard to believe. When you invest in this annuity, you receive a bonus up to 10% of your investment, depending on the amount invested and type of annuity selected. That bonus interest is added to your account on Day 1 and immediately goes to work for you, earning tax-deferred income!
INCREASED INCOME IN TIME OF NEED
--NO MUTUAL FUND OR CD CAN DO THIS!
Have you ever thought about how much extra income you would need if you suffered a chronic disability related to an inability to perform specific activities of daily living? Government programs, already stretched beyond capacity, won’t likely be much help and private long term care policies are expensive and most often are unavailable if you already exhibit certain medical problems. Medical costs are high and going higher. So what can you do?
There is a special EIA product that not only protects you from stock market losses, but also increases your income by 30% to 60% if you suffer a chronic disability while receiving lifetime income. There is no medical underwriting needed as with regular health and long term care insurance products and your family physician determines if you qualify for disability income. Now that kind of protection is hard to find anywhere else!
INCOME YOU CAN’T OUTLIVE
TFS has helped hundreds of people with their retirement planning over the years, and one major concern keeps coming up. Because of advancements in medical technology, people are expected to live many more years in retirement than their parents or grandparents did. Most of us see this as progress, but have one big question: “What if I outlive the money I saved for retirement?”
Most future retirees are simultaneously facing the daunting possibility of reduced Social Security benefits and the prospect of a much longer lifespan. Many of the calculations I’ve made to determine how people can stretch out retirement income beyond age 85 require the client to save much more money than they possibly could or face running out of money at some point. What can be done?
The main reason, above all that you should include annuities in your retirement plan is that they can provide an income stream that lasts your entire lifetime—85, 95 even 105! Even more amazing, with the annuities we recommend, the income stream can be indexed for growth, so that inflation and higher medical costs are less likely to erode your purchasing power over the years!
THE ANNUITY ADVANTAGE
Allow me to recap the enormous investment and income advantages that properly selected annuities can have to meet your retirement needs.
- Potential for stock market growth without risk to your principle*
- Bonuses of 3% to 10% applied to your initial investment*
- Extra income of 30% to 60% if you suffer a chronic disability*
- Retirement income you can’t outlive--with potential to increase over time*
*Certain conditions must be met. Features and provisions of annuity contracts vary with the company and specific product offered.
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