How will your Retirement Savings Perform if we have Another Lost Decade? |
July 30, 2012 |
Index Annuities, Jeremy Smith, Member Posts
Written By: Jeremy Smith at Amerishield Let’s say you believe that the next decade will be more volatile than the last decade. If you choose to stay the course and not educate yourself on other viable options, you could very well experience some of the same previous damaging effects of “just breaking even” over the last 10-12 years. Many people’s retirement savings have been lucky to break even over the last 12 years, and many believe that the end of the financial crisis is nowhere...
View Article
Indexed Annuity Annual Reset Advantage |
July 20, 2012 |
Index Annuities, Jeremy Smith, Member Posts
Written By: Jeremy Smith at Amerishield One of the most powerful benefits of an indexed annuity is the annual reset feature. This is valuable whether the indexed market goes up or it goes down. If the index market goes up, the client’s account value receives the market linked growth as interest credited to their account value. If the indexed market goes down, the client receives zero interest that year. While this may appear to be a bad thing, the annuity client lost no money compared...
View Article
Understanding Annuity Living Benefit Riders |
July 10, 2012 |
Annuity Basics, Income For Life, Index Annuities, Jeremy Smith, Member Posts
WRITTEN BY: JEREMY SMITH, AMERISHIELD Over the last 15 years, there has been a tremendous change in the quantity and types of annuity riders you can choose during your purchase of an annuity for retirement savings. It is important that you understand how these may benefit you and the fees (if any) to you. Living Benefits Among the most common riders you must determine if you wish at the time of purchase is an Income Rider. There are many different names for these yet they...
View Article
Avoid the Bear Trap |
July 2, 2012 |
Index Annuities, Jeremy Smith, Member Posts
Written By: Jeremy Smith at Amerishield You may have heard the term “Bear Market.” There are a few possible origins of this phrase, but the most plausible dates back to the late 1700s. Bear skin brokers, known as jobbers, would often sell bear skins they did not yet have. They would sell them at the current market price and promise a future delivery date. Their hopes were that the price of bear skins would drop during that time giving them a higher profit. Nowadays, the...
View Article
Reducing Retirement Savings Risk |
June 14, 2012 |
Jeremy Smith, Member Posts
Written By: Jeremy Smith / Amerishield Annuities are contracts, not investments. There’s an important difference between the two: Investments involve risk. When you buy stocks or mutual funds, for example, you face the chance that the prices of your stock or of all stocks will raise or fall. When you buy bonds, you face the risk that interest rates may rise and reduce the sale price of your bonds. In fact, investors actively seek investment risks in order to get rewards. Contracts involve the transfer...
View Article
