"Market Proof Retirement"

What is a Fixed Index Annuity?

A Fixed  Index Annuity is a fixed annuity, either immediate or deferred, that earns interest or provides benefits that are linked to an external market index. A market index is an unmanaged group of stocks or bonds that represent a segment of the investment market. Investors cannot invest directly in an index.One of the most commonly used indices is Standard & Poor’s 500 Composite Stock Price Index (the S&P 500), which is an equity index. The value of any index varies from day to day and is not predictable. When you buy a fixed index annuity, you own an insurance contract. You are not buying shares of any stock of the index. If the market index goes up, you get interest tied to the market index, depending upon the annuity’s interest calculation method. If the market goes down, your credited interest and principal stays exactly where it was when the market goes down, protecting your principal and interest from any loss. Indexed annuities are designed to meet retirement and other long-term goals.

Fixed indedex annuities can be a great vehicle for many people who are in retirement or near retirement.  Depanding on the situation they can be used in many ways. One way they can be used is protecting principle while capturing potential upside of the market without having to go down again, they can be used for lifetime income, and they are great for people who want to gain tax deferred interest. Some people like BMW, some people like Toyota and some people like GM but it is up to the person mixed with right education to decide which vehicle to buy. Not all the vehicles fit everyones personality and not all the retirement vehicles fit everyone either.  That is why we belive don’t get sold, don’t get Advised, just get Educated.  At shukla financial we belive in education is the foundatin to making an informed descision.  So If you want to get educated you have come to the right place.  You can give Ashish Shukla a call at 443-283-0940.

In general  just plain and simple Boomers and Seinors can’t afford to take a high risk on the money they are counting on in their retirement years.  People in retirement years generally are looking to protect their principle first, capture gains in the market so they can take Guranteed Lifetime Income. And guranteed income my friends is not offered in a brokerage account, CD, stocks, bonds, or even mutual funds.  That is only offered in a Insurance vehicles such as Fixed Indexed Annuties.  So if you  are a boomers or a senior you need to ask yourself what is my goal? Is my goal preservation of my principle and capture those market gains without any down side risk?  or Is it to have a lifetime Income? If you want either one then Index Annuities might be the best vehicle for you.  As always well informed client is a lifetime client so let us educate you.  First place to start is by calling Ashish Shukla at 443-283-0940. Don’t get sold,Don’t get Advised, just get Educated. When you call be sure to ask us about our next educational event and we will be happy to have you as our guest.

Call Ashish Shukla at 443-283-0940 and begin reciving your FREE education on Fixed Index Annuities.

Who is Fixed / Equity indexed Annuities good for?

They are good for people who are either retired or near retirement and are looking to:

(1) protect their principle

(2)  Capture potential upside of the market gains and are not looking to lose what they have gained.

(3)  Are looking for a income weather it is life time, period of time or even income 2 – 3 or even 5 years down the road.

What can I do with Fixed Indexed Annuities?

1 Protect principle

2 Capture potential upside of the market without losing them again.

3 Potentially get income you are looking for.

4  Have flexibility of up to 10%  panelty free withdrawls

5 Experiance tax deferred interest.

6 Bypass probate

7  Because you can defer the interest you earn you could reduce taxes on social income and interest income.

8 Get up to 95% income tax free.

How can you use EIA / FIA?

For instance suppose someone had 500K to put away and are concerned about safety of their principle, Having a life time income, and looking for a income they can’t outlive.

This couple could take 4 different indexed annuities which would go as follows.

Annuity #1

This would generate approximately $2,100 income for 5 years.

Annuity #2

This annuity would grow from yr 1 to yr 5 at assumed average interest rate of approximately 5% and this annuity could give an income of $2,200 from year 5 – 10.

Annuity #3

Assuming average 6% growth.  This annutiey would grow from yr 1 to yr 10 and could begin to give income of $2,300 from yr 10 – yr 15.

Annuity #4

This annuity would grow from yr 1 to yr 15 at the assumed average interest rate of 6.5% bauty is if done right you could end up with your original principle of $500,000 and putting you bake to square one.

Now as you can see this couple has received approximately $400,000  income for last 15 years and has been able to keep their principle intact.  If they had emergency they can access up to 10% of their money for liquidity.  Further they taken advantage of this vehicle which is to capture upside of the market and did not have to lose sleep over what is happening in the market.  Further this couple could get up to 95% income tax free.  As I say this is a tool that could help you however you need the right education to make right choices about your annuity.  To learn more about this feel free to give us a call at Shuklafinancial 443-283-0940.

This is just one way you can use Fixed indexed Annutiescan work  in yor favor.

To learn more feel free to give us a call at 443-283-0940.

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