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Financial Information From the Industry

Experts Can’t Beat It. - Warren Buffet has underperformed the S&P 500 for the past 5 years by 1.8% annually.
[Source: Forbes Magazine, October 2007]

Taking Chances. - If you had retired at age 65 just before the bear market of 2000 with an all-stock portfolio, there would have been only a 43% chance that your money would’ve lasted 20 years.
[Source: Money Magazine, November 2007]

Making Up Lost Ground. - If the market suffers losses similar to those during the ’00 -‘02 bear market, it may take more than you think to make up for it. A 40% loss requires a 67% gain to return you to your original account value. A 40% gain will only partially return your account value.

Taking Chances. - In August of 2000, Fortune magazine featured the article, “10 stocks to last the decade.” Unfortunately, no one has a crystal ball and picking individual stocks to outperform the overall indices is difficult. Had you invested $10,000 in each of those stocks (for a total of $100,000), by the end of 2007, you would’ve been left with only $52,437.22.

Link to Historical Strength. - The S&P 500 has returned an average of 10.3% a year, compounded, since 1926. This powerful index is the engine behind many indexed annuities, allowing for greater opportunity.
[Source: Ibbotson Associates]

The Power of Never Losing. - From January 1998 to January 2008, the S&P 500 would have grown an investment of $100,000 to $129,000. In the same time period, an indexed annuity - which offers none of the downside of the S&P 500 - would have grown $100,000 to $162,000.

Great Expectations. - What kind of returns has your broker told you he will get for you? 8%, 10%? For the past 100 years, the Dow Jones has generated a 5.3% annual compounded yield. Not 10% or even 8%. In the first 8 years of this new century the Dow has yielded no gains. For the Dow to provide just 5.3% annual compounded yield over the first 30 years of this century, it will have to grow to 51,789 points by 2030. Are you willing to bet the security of your retirement and the income from your investments on this happening? If not, call me and I will show you how to get the better of a minimum guarantee of 4-8% or the markets performance, whichever is better. Now that’s peace of mind!

Where the Pros go. - If there is anyone who has all the resources of Wall Street at his fingertips it’s Fed Chairman Ben Bernanke. So which stock does Bernanke have most of his savings in? It’s not a stock – it’s an annuity. Each of his two largest assets are annuities valued between $500,000 and $1 Million. Today the new annuity opportunities are so effective that the Fed Chairman has chosen them!
[Source: Bloomberg]

Retirement. - Middle-class Americans who are now entering retirement will have to cut their standard of living by 24 percent or risk out-living their financial assets, according to a new study by Ernst & Young. That report reaches even gloomier conclusions about workers seven years away from retirement, who can expect to reduce their standard of living by 37%.
[Source: SmartMoney]

Income. - We all know that pensions are few and far between these days, so where are seniors looking for their retirement income? 31 million people ages 65 and older depend on social security as a main source of income. Will social security provide for all of your retirement?
[Source: AARP]

Women and Retirement. - 90% of all women become solely responsible for their own financial welfare during their lifetime. With the average life expectancy of women at nearly 80 years (6 years longer than men) it is increasingly important that women have access to an income they can never outlive.

The Lost Decade. - In July 1997, the Dow Jones Industrial Average was at 8,254 points. More than 10 years later in November 2008, the Dow was again at 8,282. Many financial advisors continue to tell their clients things like, “You’re a long term investor” or “These are only paper losses”, but with 10 years and nothing to show for it, many retirees are in need of a place to keep their money safe, watch it grow and generate an income from it.

Retired but Working. - Whether by choice or by necessity, more retirees are continuing to work now than ever before. In fact, nearly 25% of adults 65-74 are in the workforce today, up from 19% in the year 2000.
[Source: Bureau of Labor Statistics]

Beating The Index. - Regarded as one of the sharpest minds on personal finance, Suze Orman has begun recommending active money management through investing in specific Exchange Traded Funds (ETFs), rather than the index funds she used to recommend. While these indexed funds have dropped 50%, the ETFs she recommended have lost an average of 73%.
[Source: Money Magazine, July 2008]

You Can’t Pour A Quart Out Of A Pint Jar. - Taking sizeable withdrawals from retirement savings, while earning a low return (or losing money depending on the stock market returns) could result in running out of money before running out of life. Conversely, indexed annuity products with income riders create an income stream for life.
[SOURCE: December 2009 Index Compendium]

Locked In Growth - No Matter What The Stock Market Does. - The value of $100,000 on 5/25/2004 would have decreased to $90,905 by 6/30/2009, based on the S&P 500 index. That same money would have increased to $129,423 by 6/30/2009 in a fixed indexed annuity, with no risk of loss. This example represents actual values of a single tier Allianz MasterDex 5 fixed index annuity from when the contract first became available on 5/25/2004 through 6/30/2009. This example assumes initial premium of $100,000 plus a 5% bonus of $5,000 and 100% allocation to the S&P 500 index option with the monthly sum crediting method.

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