Three Core Principles
Reasonable Rate of Return **
Retire With A Reasonable Rate Of Return **
Many retirees hope they can earn a reasonable rate of return ** on their contributions in retirement. At the same time, they want to protect their income. However, the stock market investment carries a risk of loss. Accordingly, your retirement strategy may need to change as you near retirement. Retirement products don’t have to be based exclusively on the markets. One example is the fixed index annuity (FIA), which offers principal protection as well as a reasonable rate of return **. One of our core principles and goals s to help our clients achieve reasonable returns** for their on their contributions.
Achieve a Good Rate of Return ** in Retirement
Successfully planning your retirement means creating financial stability. Safety and interest growth must be balanced, along with risk and reward. The majority of people believe their money is only safe in an FDIC-insured account. As an alternative, they sometimes choose to have a certificate of deposit (or CD) as security. Neither one, however, offers attractive interest rates. Additionally, the interest you earn in these types of accounts will be taxed. As a result, your net return may be even lower.
Fortunately, with the right investment strategy, you can earn a reasonable rate of return** without market risks. Our products offer both a reasonable rate of return,** as well as protection for your principal. With our help, you can decide which of these strategies is most appropriate for you.
About Fixed Index Annuities (FIAs)
FIAs do not invest directly in the stock market. Instead, the insurance company tracks potential earnings through an index (such as the S&P 500). The FIA index will give you an interest credit if it rises above a certain level. The rate of return depends on several factors, including:
- Annuity period
- Added benefits
- The cost of the FIA
- If you have selected a rider for income
- Contractual conditions of insurance companies
A Risk-Reward Management Approach
Retirement returns* can be reasonable, but they must be carefully weighed. Insufficient income in retirement means you won’t have enough. A rate too high would put you at risk. Your financial vehicle may be safe, but the return isn’t sufficient to sustain you. You can’t rely on that strategy. The same is true if you earn enough money, but your principal is always at risk. In retirement, you need both a reasonable return** and income protection.
The Right Strategy for You
No one retirement strategy is right for everyone. Each individual’s financial and personal situation is different. During the process of working together, we learn your objectives and needs. Having an understanding of your priorities is important. We will discuss options that will help protect and grow your wealth once we review your existing strategy’s performance.
Discover Your Options
Flying Eagle Financial strives to provide clients with all the information they need to make informed decisions. We can show you ways to protect your retirement income. What you earn and how you live in retirement depends on your income. Inflation may also play a role. When it comes to beating inflation, you need to know your options. Let us help you learn as much as possible. Retirees should feel confident about their retirement strategy.