A Unique Option For Your IRA Or 401(K) - Run to Safety and Security
A Unique Option For Your IRA Or 401(K) - Run to Safety and Security
Gain and Retain, now that is an interesting investment option. How would you like to have the option of only gaining and never losing money? It's not every day that you find the opportunity for potential growth with true safety in the same financial vehicle
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Normally investors are provided one of two choices, either they give up safety in exchange for a greater potential for growth or they accept less growth in exchange for a higher level of safety. Thanks to an innovation in the insurance industry, you can have the potential high returns available in the stock market and the security of a guarantee, these unique products are called Equity Linked Indexed Annuities.
Equity linked index annuities are solid choices for investors seeking safety in a low interest rate period volatile financial market. They work like this, your return (or amount credited) is based on the increase of a stock or equity index, such as the Standard and Pour's Stock 500 Index or the Dow Jones Industrial Average If stocks increase, you could benefit from that increase but if stocks fall, you retain your position. You only can do one of two things: Gain or Retain.
Your investment funds in an IRA or 401 (k) would also return the same crediting rate if they were inside of an Equity Linked Indexed Annuity. The IRS allows for these products to be used in retirement accounts. This safety of principal will guarantee you will never lose money nor will your account ever be exposed to risk or loss.
The question which will come to mind is how does an insurance company provide such a product? The answer is simple; most charge a fee which is taken out of part of your crediting. An example could be, your annuity returned 10% and the fee to provide the product is 2%, your net yield would be 8%. But is your account does not Gain, no fee is charged. Your original funds remain intact and are not reduced in value.
Gain or Retain!
Insurance companies offer a wide range of products in this category and many of them do not charge any fee at all. Instead they limit the gross yield available o you. In this scenario, let's pretend your crediting rate was 10% but the annuity had a cap of 9%, your return would be 9% and no fee would be subtracted. Once again, if the market fell, you do not participate.
The most dynamic feature in Equity Linked Indexed Annuities is the annual Guarantee Reset. This means that each year, whatever gain you have enjoyed by the anniversary of the annuity is now fully locked in and becomes part of the guarantee. Assuming a deposit of $100,000 grows to $110,000 at the end of the first year, that is now your guaranteed minimum. Your funds can never be less that the annual reset guarantee.
Gain or Retain: Consider this safety option when considering the importance of your retirement accounts.
Disclaimer: Due to the complex nature of retirement planning in general, always make certain you obtain proper planning and fully understand how any financial product you may be considering would affect your retirement plans.
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