Never Lose Money In The Market Again:

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Protect Your Retirement Assets.


We all dream about a way to make money in the markets during good times and avoid losing it during the down years. Conservative and aggressive investors alike – nobody wants losses!


We want the best of both worlds, that’s human nature. When the markets are up, we want more and we want to protect what we’ve got from loss. It is tempting to let it ride and to stay fully invested. Although there is nothing wrong with staying in too long, it is often against our better judgment. The problem is that markets often take sudden turns for the worse. When they do, it can be difficult to get out and even more difficult to clearly think through options. With retirement assets, the ride down is too costly. Waiting for the markets to cycle again is a different experience at 67 than it is at 45.


The Good news.

You can protect your retirement assets to never lose principal again. At the same time, you are guaranteed to participate in the upside, when markets are rising. What I am suggesting is not an investment which means there is no investment risk. Investments carry risk and while there is nothing inherently wrong with investment risk; it should not be the foundation of a retirement plan. Yet, we’ve all heard the pitches promising to make people money in bull markets while “hoping” to keep them safe in bear markets. Complicated and intimidating, these investment strategies guarantee nothing.


“In retirement, ROI is Reliability of Income, not Return on Investment. Protecting principal is far more important than greater returns. We use these principles when helping our clients make the transition from asset accumulation to guaranteed, lifetime income.


What I’m talking about is as a Fixed Indexed Annuity. Think of them as market indexed annuities because their returns are partially based on how markets perform, without any downside risk.


Fixed Indexed Annuities are not new. NO LOSS OF PRINCIPAL DUE TO MARKET RISK, EVER! That is the GUARANTEE of an indexed annuity. During the 2008 Financial Crisis and the Coronavirus bear market, none of our clients lost a dollar in fixed indexed annuities. There are millions of indexed annuities inside IRAs and other retirement plans and none of them lost a cent, either. This is why conservative people own indexed annuities.


The world’s leading economists all agree about the value of annuities in retirement. Consider what they say because they have no axe to grind. It makes no difference to them whether you invest your retirement assets in the markets or not. When Olivia Mitchell from Wharton (check out her incredible resume) says that annuities are key assets to own in retirement, she is saying so because she’s spent her entire career studying these issues. When Professor Wade Pfau at The American College, Tom Hegna, David Babbel from University of Pennsylvania or Roger Ibbotson from Yale write papers about the advantages of annuities, they’re pro-annuity positions are credible because they are among the leading retirement experts in the world.

Professor Wade Pfau stresses that “investors typically fall into the “trap” of depending on investment portfolios as the chief way to fund their retirement. Now, many of these folks in retirement find themselves needing a life raft…acquiring an annuity would have prevented such a dire scenario” he argues.


HOW CAN YOU DO THIS?

What about the upside? Fixed indexed annuities have been designed to modestly beat the performance of other fixed income products and they typically do that most of the time. There are also times when they do much better and these are years that can really boost the performance of your contract. For example, many of our clients earned as much as 14% from January, 2019 to January, 2020. Those were extraordinary returns because the market was experiencing extraordinary growth during that same period. The earnings credited to your contract can never be lost. The upside potential of an indexed annuity is determined by the participation arrangement you select and the fund selections you make. It’s as simple as that and you’re protected by a contract, giving you an additional level of security. I will be happy to share more about that when we speak.


Personally, I do not like to hype the upside of market indexed annuities because we sell security, not securities. In my opinion, the value of NO LOSSES in retirement far outweighs any other feature of market indexed annuities.


Let no one with a financial interest in your assets dissuade you from making a financially sound and prudent decision, one that may be in your best interest. When you move money away from stock brokerage firms or wealth management firms, they’re losing significant, recurring revenue that is earned from your assets. I have no problem with fees charged by money managers. But, it should come as NO SURPRISE if they make you second guess a decision to move your assets. To keep this simple, if you pay an annual fee of 1.5% on $1,000,000 of assets, that is $15,000 per year, or $150,000 of your money over 10 years.

When markets tumble and the assets in your account go down, so too does the revenue for the investment firm and the investment manager that is managing your money. Can you trust the advice of an advisor who loses annual income if you liquidate or move your account? Is that a structure that is in your best interest? Most investors are not aware of these potential conflicts and many are surprised when they finally understand them.


Who doesn’t want more guaranteed, lifetime income? Market indexed annuities and single premium immediate annuities will pay you for as long as you live and guarantee the principal – forever. If the market drops 30%, you lose nothing. If you want certainty, predictable outcomes, no anxiety and sleepless nights, this is for you.

“With a market-indexed annuity, you pay no commission from your assets. Instead of paying “forever fees” that are directly reducing your retirement fund each year, there are no annual fees*. The one-time commission is paid from the assets of the insurance company, never from your assets! The interest calculations, participation rates and all of the contract terms are regulated by the Department of Insurance in your state.”

*Some people choose riders that may have annual, disclosed fees.

Market indexed annuities are only available from major insurance companies because only insurance companies are financially strong enough to provide these guarantees. They’ve got to go before state regulators and rating agencies each year with open books. Guaranteed annuities are ideal for those of us who can’t stomach the volatility while watching our retirement assets evaporate in a crash or during a bear market. Hearing an advisor tell you “not to panic” or “it always comes back, be patient”, doesn’t help. That’s never easy to hear.

From 2000 to 2020, there have been three major bear markets and if you owned a market-indexed annuity, you avoided all three. That’s “peace of mind” – not a dollar of loss over 20 years.


The numbers don’t lie. As you can see in the chart below, the market-indexed annuity has performed nearly as well as the S&P 500 total return index (including dividends). WITH NO RISK!

Are annuities safe? If you are a conservative to moderate investor, why not let a market-indexed annuity take all the guesswork out of your retirement planning? When the indexes are up, you make money. If markets crash or if volatility takes over like this year, you will never lose money. Keeping this simple, if you had put $500,000 in a market-indexed annuity in January or February of 2020, you still have $500,000 of principal today. Your principal is always intact — always at the highest level it has achieved! Let’s talk more about keeping ALL “stacked gains” when we speak.

This is the best of all possible worlds.

What’s the catch? To pay for the guarantee of never losing any principal, you don’t participate in 100% of the upside when the markets are up. For example, if you choose a 50% participation rate and the S&P rose by 30%, you would receive a 15% return. If the S&P is up 8%, you will receive interest of 4% credited to your account.

Ken Fisher hates annuities. Why do some financial “experts” criticize annuities? Everytime a Ken Fisher client liquidates and moves money to an insurance company for the purchase of an annuity, Ken Fisher’s firm loses annual recurring revenue. Maybe that is why Ken Fisher hates annuities?


Which Is The Best Annuity For Me?

There are thousands of annuities in the market and it is our job to know them and to know which one suits you best. To do that, we get to know your goals and objectives. Some contracts are too expensive and some carry hidden fees and charges. You want to make sure to buy the right indexed annuity from an experienced professional only representing insurance companies with great ratings.

Ready to start protecting your retirement assets and never losing money in the market again?

Why not contact us and allow us to answer all your questions? Time does matter. A low interest rate environment forces insurance companies to lower the rates for new clients. Safety is what drives their investment decisions and in order to properly respond to lower interest rates, they will change their offers accordingly.

Start the ball rolling and call us or fill out the simple contact form on this page or any page of the this site. We can be reached at 561-771-4647 or 561-869-4500

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Ted Bernstein

Dedicated to helping people create the ultimate retirement security and protection plan to safeguard their families and businesses. I stress guaranteed income solutions, indexed annuities and state of the art wealth preservation strategies. As the innovator of life insurance products without commissions, my recommendations are impartial, objective and always in the best interests of my clients.

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