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Upside Potential, Downside Protection. Its that Simple..
Did you know that if you experience a 20% depreciation due to a market correction, that it could take you over 2-years to recover? It took 75% of all mutual funds 5-1/2 years to return to their pre-2000 correction value (see noted source). Have you become un-nerved with the economic out-look or not, just wanting a very conservative vehicle for your ear-marked retirement monies with an above average effective yield and the potential to earn more via gains pegged to the market(s) of choice. Choosing the right accumulation vehicle for your retirement plan be it a IRA, SEP-IRA, a Roth-IRA, 403-b plan or CD 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 (transfer/rollover monies).
Here’s the Magical Difference:
While the Equity index Annuity (EIA) offers many features of a traditional annuity it has a rather unique feature that allows a potential stock market- or bond-linked growth without the risk of any market type loss. In contrast to a securities-type product or a mutual fund where the investor bears the market risk, the EIA concept insulates the contract owner from any risk of loss of premium due to market downturns.
This unique crediting strategy offers the ability to benefit from gains in the
S&P-500, DJIA, S&P MidCap-400, Russell-2000, Nasdaq-100, Dow Jones EuroSTOXX-50 Leman Brothers US Aggregate Index, Hindsight Index Strategy.
Locking them in annually with the ANNUAL RESET mechanism... Never lose a penny of your retirement money to market recession again.
Is it time for you to move your money to a safe harbor without sacrificing growth?
Source: Morning Star Reports June-July 2006 on line issue
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