Annuity123 is dedicated to providing Americans with unbiased information about retirement, answering the tough questions you want to know.

With hundreds of articles on every retirement planning topic you can think of, peace of mind is just a click away.

Safe Options in Uncertain Times

John CasaSanta

Question: The stock market is close to it’s all time high, however some members of the media and economist are saying we are going to be having a major down turn in the economy soon. What are your feelings?  from Cindy in Hill, NC.

Answer: I have been in the Financial Services business for twenty years and have watched the markets closely.  I am not an economist and cannot predict what may or may not happen. People’s risk tolerances are different and a lot depends on an investor’s age and time horizon in regards to when the funds are needed. If I am speaking with someone in their 30s or 40s, about rolling over a 401K plan my advice to them  is different than if I was having the same conversation with someone in their 50s or higher. If you are above age 50 and unsure if this down turn will occur, you may want to consider locking in your gains. This can be achieved with the proper utilization of Fixed and/or Index Annuities.

A Fixed Annuity provides a guaranteed rate of return for a set period of time that can range from 1-15 years. You will not receive less than 100% of your principal.

An Index Annuity allows you to benefit from the upside of the market while being protected from the downside. Because you’re being protected from the downside, most insurance companies will have a cap on how much you can earn on the upside. Often times with an Index Annuity the insurance company will add a bonus to your deposits. The bonus can range between 5 -20%.  Depending on company and product the bonus will be added on your initial deposit as well as to all money placed in the account for up to seven years.  Some companies have minimum deposits while others are more flexible.

Both Fixed and Indexed Annuities provide both protection and growth, and they are excellent for those who want to protect assets that they will need for retirement or would like to have their children/grandchildren inherit.

Click here learn more from John CasaSanta.

About the Author:

John CasaSanta has been protecting families’ assets and providing life/health insurance for 21 years. CasaSanta Financial Services was established in 2003 with the sole purpose of assisting families in reaching their financial goals.

John can be reached by e-mail: or at (704) 451-7020. You can learn more about John at

Insurance and annuities products offered through John CasaSanta. Insurance Licensed in NC, SC and IN.  NPN# 2475717. FL License #: W290849


Annuity123 does not offer insurance, investment, or tax advice.  You should always seek the guidance of qualified and licensed professionals concerning your personal insurance, investment, or tax matters.  Annuity123 is simply a platform allowing retirement planning professionals to help educate the community on various retirement planning topics.  Annuity123 does not directly support or take responsibility for ensuring the accuracy of the content displayed in the articles themselves or any feedback that may get added in the Comments section from the community.

Leave a Reply

Your email address will not be published. Required fields are marked *