Dave Mortach |
July 28, 2015 |
Annual Reset, Annuity Basics, Index Annuities
People purchase annuities for a number of different reasons. Certainly, ensuring a lifetime stream of retirement income is one of the primary factors for purchasing this type of financial vehicle. But while the annuity is still in its funding—or accumulation—phase, it is also important to make sure that you are able to grow and protect the funds that are inside of the account. Using a fixed indexed annuity, or FIA, can be an ideal way to generate a retirement income. These annuities credit interest based...
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Dave Mortach |
July 21, 2015 |
Annual Reset, Annuity Basics, Index Annuities, Retirement Planning
When obtaining any type of financial vehicle, there is typically some type of risk-return tradeoff. For instance, in today’s low interest rate environment, it’s tough to obtain the growth that you need, yet it’s important to also play it safe in order to protect your principal. The fixed indexed annuity, or FIA, can provide a great solution for offering the potential for market-related growth, yet protection from downside risk. This can in turn help you to generate more retirement income down the road. Ensuring that...
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Brent Welch |
August 21, 2014 |
Annual Reset, Annuity Bonuses, Annuity Caps, Annuity Fees, Deferred Annuities, Income Riders, Index Annuities, Participation Rate
In the May 2014 AARP magazine, Allan Roth set the tone for his article “Don’t Buy It”with a picture of Leonardo DiCaprio, star of the movie The Wolf of Wall Street. In the film, DiCaprio plays a dishonest, immoral and unethical investment banker. This “Wolf of Wall Street” ended up in prison for the rest of his life, convicted of felony charges, racketeering, extortion, and stealing money from the general public. He was a wicked and completely dishonest criminal, much like Bernie Madoff. Roth suggested...
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Anton Hendler |
February 4, 2014 |
Annual Reset, Annuity Basics, Fixed Annuities, Index Annuities
Of all the features of a Fixed Index Annuity (FIA), arguably the one with the greatest value is the annual reset. What this means is that every year on the anniversary of the policy, any gains in the market (based on the strategy which you have chosen and an index such as the S&P 500) will be credited to your policy and then ‘locked in’. So if the market goes down in the next year, not only will you not go down (you will stay...
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Richard Ericson |
January 7, 2014 |
Annual Reset, Annuity Basics, Fixed Annuities, Index Annuities
Potential can be such an enticing, positive word. I’ve recruited and coached young men with potential. In my opinion, potential can also be a negative word. The young man that still has potential is not real useful in the game. Potential checks don’t cash very well at the bank. Potential returns are marketed to consumers, and consumers invest for potential all the time. Potential returns, at some point, are not real useful to you. If I could guarantee you an average rate of return of...
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Anton Hendler |
November 18, 2013 |
Annual Reset, Annuity Caps, Fixed Annuities, Index Annuities, Member Posts, Participation Rate
For those of you who are clients of ours, you will know that one of our primary retirement strategies is the use of the right combination of annuities including Fixed Index Annuities (FIAs). Fixed Index Annuities (FIAs) are annuities which are tied to the stock-market via one or a combination of indexes such as the S&P 500. This allows owners of these annuity policies to share in any upside growth BUT at the same time, investors are shielded from any downside risk. The most important...
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John L. Olsen |
September 18, 2013 |
Annual Reset, Annuity Basics, Annuity Caps, Annuity Definition, Index Annuities, John L. Olsen, Member Posts, Participation Rate
There are several different kinds of index annuities, but the “Annual Reset” type is the most commonly sold (and bought). The name refers to the interest crediting period – the length of time over which gains and losses in the equity index (often, but not always, the S&P500®) will be measured and index-linked interest will be calculated and credited. There are different types of annual reset annuities. Some measure monthly index movements, from which they calculate and credit interest annually (the “Monthly Sum” or “Monthly...
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