A Secure Hedge in a Time of Uncertainty
Fixed Index Annuities are a truly secure hedge for portfolios in our uncertain times
. You may have been burned in the stock market. You may be afraid to buy debt (CD's) because you are not sure what interest rates are going to do. You are afraid you might outlive your assets or be fighting inflation in the later years of your life. And you are afraid some nuisance litigation might put your assets at risk.
So-called "Asset Allocation" is supposed to help you with some of the challenges listed. However, in all the cases there is at least some of the risk listed. So, what do you do?
"Only an annuity can pay an income that can be guaranteed to last as long as you live."
Buyers Guide to Fixed Deferred Annuities, National Association of Insurance Commissioners.
That quote is good reason to put at least some money into annuities. Your money is protected because the issuer is regulated and has to keep reserves to meet its commitments to you. In Florida annuities are protected from lawsuits if not purchased to "defraud" creditors. After 4 years of ownership you no longer even have to answer that challenge if a plaintiff's lawyer brings it up.
The Fixed Index Annuity is a hedge against inflation. If a stock market index you select (usually the S&P 500) goes up, you collect extra interest. But if that same index goes down the interest you earned is not taken away. There is no market loss.
Evidence published by a center from the Wharton School of Business shows collecting interest in Fixed Index Annuities has done pretty well in comparison to what you end up with in the stock market; and with no risk of loss. Since that seems to be the case, why risk any assets in volatile stock and bond markets?
Annuities have a history in the thousands of years (Rome used annuities for its retired soldiers). Still, many people are not aware of their current history. Insurance and annuity companies have been modernizing the features of annuities so they are more attractive for the Baby Boomer generation. What has changed is only their ability to earn you more interest than in the past. Annuities are still as secure as ever.
You should find out more about annuities. You can always use just a portion of your assets to buy annuity contracts to try them out. Then you can become more familiar before investing a higher amount.
There are pros and cons of Fixed Index Annuities. You might not want to spend as much money as another person if the Fixed Index Annuity is not suitable for you.
The opportunities and safety of annuities are compelling. There is nothing to lose in learning. And a lot to gain from what you might learn.
Copyright 2010 Scott F. Barnett, J.D., LL.M.(Taxation)
A Secure Hedge in a Time of Uncertainty
By: Scott F. Barnett
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