Tuesday, April 3, 2012

Why Fixed Index Annuities?

Questions? Call us today at 813-964-7100 or email:anecamara@mintcofinancial.com

With the continued instability of the markets, annuities are now becoming a popular sought product. As you may know millions of people have lost money or experienced a decline 401k balance over the last few years. Many other people have lost money in the volatile stock market and even mutual funds.

Returns from investing in the Bond Market are almost next to nothing. In fact inflation is eating up any tiny profits gained from the safety of the bond market.
So where could someone, like you, put their money where it is safe, yet provides very good returns and ultimately provides you with income?

In the past annuities where not the preferred option for one to roll money into. Now in 2011 and beyond, fixed indexed annuity products are very popular! Why? Insurance companies have finally listened to what the public wants. They have created a new portfolio of annuity products that provide you with a wide range of options and riders.
Lets start with safety... In a fixed index annuity the returns on your money are based on movements in the indexes, like the S&P 500 for example. When the market goes up so do your rate of return. However if the index go down and I don't care how far down they go, you NEVER lose your intial money (principal) paid into the plan. So you earn money into your account when the market is up and if it is down - your prinicipal is protected.

With a Fixed Index Annuity, you get; safety and guarantee of principal and credited interest and the the potential of higher interest by being linked to the market—the return potential that a fixed-rate product cannot offer.

Now you can have the best of both worlds: guarantee of principal and the potential of market-linked growth with no risk of loss of principal due to market downturns. Enter the fixed indexed annuities concept, it's designed to help you reach your retirement goals.
Here are some other benefits to serious consider when rolling your 401k and or high balance CD into fixed indexed annuities:

Safety and Guarantee of Principal
The Power of Tax Deferral Guaranteed Lifetime Income
Potential of Stock Market-Linked Growth

Fixed index annuities have the potential for market-linked interest without exposure to the market risk. Contract owners enjoy the guarantees and safety of principal even while being linked to market growth. However, they should not expect fixed index annuities to mirror the exact performance of any stock market indices.
Feel safe and secure! Call us today for a full review of your retirement planning! 813-964-7100 or email us with your questions: anecamara@mintcofinancial.com

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