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Equity Index Annuity 101

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Equity Index Annuities: Advocating the Tortoise, Not The Hare...
 Positioned for, Steady, Long-Term Growth
equity index annuities

Choosing the right accumulation vehicle within your retirement plan be it an IRA, SEP-IRA, Roth-IRA and/or a 401-k to IRA rollover can be difficult. With so many choices, which will be right for you. You want safety of principal with a guarantee, plus credited gains-- that makes all the sense in the world. Many feel that it's not the return on their money that's a concern, but the return OF their money. And some just preferred higher returns by accepting more risk than that of a fixed investment.

This was the decision that retirement savers had in the past, "The more you risk the higher the return." Now you can have the best of both worlds " guarantee of principal and the potential of market linked gains," with NO RISK to your original principal and newly acquired interest.

A term that sets the Equity Index Annuity apart from all other retirement vehicles and one to consider when shopping for an Equity Index Annuity is:

ANNUAL RESET: The resetting of the contract each and every year, locking in gains, which are preserved from all future recessions and/or market corrections.

Indexing allows the investor the opportunity to participate in the market and enjoy the upside potential WITHOUT any of the DOWNSIDE risk!!! YOUR INDEX INTEREST CREDIT CAN NEVER BE LESS THAN ZERO GUARANTEED!!!

AVOID ANY RISKY MOVES THAT COULD COST YOU YOUR MONEY WITH THESE FLEX-PREMIUM TAX-DEFERRED ANNUITIES!
 
Hypothetical Example: Any Investment 
vehicle returning


10% for 3-consecutive years.



 Year 1   	Year 2	 Year 3     TOTAL
  10%   +	 10%    +	  10%	  = 30%  





The market corrects as it did in 2008 by <-46%>, 


leaving a 3-YEAR total return of  <-28.1%>




EXAMPLE 2: $100,000 retirement balance

The market corrects by <46%> as it 
did from Sept 2007 to Oct 2008.

$100,000 – 46% leaves by year end a $54,000 
balance. 


SECOND YEAR, THE MARKET RECOVERS 
with a  50% rebound as in 2009 (growth).

The $54,000 balance plus the 50% market 
rebound = $81,000 by year-end.







Overlay the "ANNAUL RESET" 
dating back  to 1987 each and every 
Black Monday, or Friday, recession
--correction and your Annuitization 
value is by far ahead.


 


NOTE: The Equity Index Annuity 
has been doing  what it was designed to 
do since 1995--preservation of principal, 
growth  pegged to the indices of 
choice.

Surrender Charge options >>

The Equity Index Annuity:


10% for 3-consecutive years.


Year 1   Year 2 Year 3 TOTAL
10%   reset   10%   reset  10%    reset   = 30%  


The market corrects as it did in 2008 by <-46%>, 
leaving a 3-YEAR total return of 30%.

“The Magical Difference ”Point-to-Point “Annual Reset."

EXAMPLE 2: $100,000 retirement balance

The EIA $100,0000 annuitization value experiences
 a 0% loss due to contractual guarantees. 
 
The EIA balance by year-end is $100,000.00
 (this is not an error).


SECOND YEAR, THE MARKET RECOVERS
 with a 50% rebound as in 2009 (growth).

The EIA $100,000 plus the 18% it captures, 
via point-to-point, matures an annuitization 
value of  $118,000. 

Which retirement account would you rather
have after just 2-years of market volatility?
That is, 1 recessive year and 1 year of recovery?

“A”  $81,000
OR
“B” $118,000

If your answer is “B” call me, Joseph, 
at 916-338-1345

Indices: S&P-500, DJIA, S&P MidCap-400,
Russell-2000, Nasdaq-100, Dow Jones EuroSTOXX-50
Leman Brothers US Aggregate Index,
Hindsight Index Strategy.


Walk Away w/ your principal and 
newly acquired interest options:
 3-yrs, 4-yrs, 5-yrs, 6-yrs,
7-yrs, 10-yrs,  or 14-yrs.