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A Picture That's Worth 1000 Words

1/18/2019

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Check out the chart below - it's a chart that compares the annual performance of the S&P 500 with a Fixed Index Annuity for the years 1998 - 2018.  The Annuity credited 50% of the annual gains of the S&P 500 during those years...

Question 1 - When is getting 50% of the S&P 500 gains better than getting 100% of the S&P 500 gains?

Answer 1 - When you can automatically "lock in" and keep those gains and never lose them when the stock market goes back down.

Question 2 - What years are the "best" years on the chart below? (warning - trick question)

Answer  2 -   
The years when the annuity earned a 0% interest ,   During the years when the stock market declined and "gave back" previous gains, the Fixed Index Annuity simply earned 0%. 

The gains the Fixed Index Annuity received in previous years are "locked in" and simply cannot be lost when the market declines...

Picture
Moral of the story - "A bird in the hand IS worth two in the bush" or "It's what you get to keep that counts."

Got questions?  I've got answers - call me or reply to this email.

Thanks,

Rick
(713) 206-3885 - direct
(844) 370-SAFE - toll-free

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Conservative Retirement Solutions, LLC​
1800 St. James Place
Suite 325
Houston, TX 77056
office:    (832) 356-SAFE (7233)

direct:    (713) 206-3885
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  • Home
  • Learn
    • Gen X
    • Baby Boomers
    • Small Business Owners
    • Corporate Executives
    • Private Practice Individuals
  • Products
    • Life >
      • Family Term Coverage
      • Mortgage Protection
      • Final Expense
      • College Funding
      • Home Equity Transfer
      • Universal Life
      • Living Benefits UL
      • IUL Retirement Plan
      • Private Equity Banking
      • PAR Whole Life
      • Tax-Free Retirement Plan
      • Pension Maximization
      • Key Person
      • Taxes Risks & Fees
      • Executive Bonus
      • 412e3 Pension
      • Lifetime Tax Strategy
      • Business Succession
      • IUL Reset
      • IUL Hedging
      • IUL Crediting
      • Salary Continuation
      • Financial vCourse
      • Living Benefits
      • Planned Giving
      • Whole Life Cash Reserve
      • Business Tax Strategy
      • IUL Decision Assurance
      • CRT/ART
    • Annuities >
      • Retirement Questions
      • Split Annuity
      • Indexed Annuity
      • Withdrawal Guarantee
      • Multi-Year Guaranteed Annuity
      • Safe Money Contracts
      • Longevity Annuity
      • Annuity Laddering
      • LTC Annuity
      • IRA Rollover
      • Guarantee Your TSP
      • Lifetime Income Guarantee
      • Annuity Exchange
      • Annuity Primer
      • Annuity Buckets
      • FIA Decision Assurance
      • Cash Balance Plan
      • 401k Plan Rollover
      • Stretch IRA
      • Retirement vCourse
      • Roth Annuity
      • FIA Crediting
      • FIA Reset
      • FIA Hedging
    • Estate Planning >
      • IUL Cash Reserve
      • Your Estate Plan
      • Living Trust
      • Special Needs Trust
      • LTC Life
      • One Pay LIfe
      • IRA Conversion
      • Reverse Mortgage
      • Life Settlement
      • Buy/Sell Funding
      • Estate Tax Trust
      • Safe Money Retirement Tax Strategy
      • Insurance Financing
      • Social Security
      • Business Equity Transfer
  • Create A "Private Pension"
  • The Annuity Truth
  • Blog
  • About
  • Contact