Fixed annuities are an asset class that can safely be blended into an overall portfolio model allocation. Since saving for retirement isn’t just about making money; it’s also about not losing the money you already have saved.
A fixed annuity can offer rates of return comparable to short term bonds – without asset price fluctuations. This approach can serve to provide greater stability as a foundational element of our Hybrid Investment™ model.
With a Fixed Annuity the amount of interest you earn each year is tax-deferred until withdrawn. Unlike earnings from bank accounts, stocks, bonds, mutual funds or regular savings accounts which are taxable whether you need them or not (unless inside an IRA or other retirement plan).
What does this mean for you? Well, it means you benefit from what is known as "triple-compounding" of interest. Your assets earn interest, your interest earns interest…and the money otherwise paid to taxes earns interest. Nothing wrong with a little turbo-boost for your money.
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