In this video, I share with you your retirement savings: stock market vs. fixed indexed annuity. Which is better? When you retire it is important to protect what you have worked hard to accumulate over the past 20 to 40 years because it needs to last you another 20 to 30 years in retirement. Many retirees’ biggest fear is running out of money or losing it in the stock market. Don’t let it happen to you.

There are many different annuity types and companies that offer annuities. Even though I talk about the benefits, an annuity might not be right for you. Make sure you are always working with a licensed professional who specializes in annuities and can help you determine if an annuity is right for you. Otherwise, you might end up with one that is not ideal for you and your retirement.

My team and I cover all aspects of retirement planning including, Medicare, Long Term Care, Life Insurance, and how to protect the retirement savings that you have worked hard to accumulate over the years. If you need help creating the ideal retirement income solution or with your Medicare plan so you can retire happy book an appointment with me.

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➡️ VISIT:
✅RETIREMENT PLANNING: retirement plan Snapshot – We’ll create a retirement snapshot for you so you know what your retirement will look like in the future so you can take action today.
✅TAXES: Taxes in retirement and how to create a tax-free retirement with cash value life insurance like an indexed universal life IUL.
✅ANNUITIES: How to protect your retirement from market risk with annuities and other options that many traditional advisors don’t have or know about.
✅LIFE INSURANCE & IUL’S: How to protect your retirement savings from Life Risks like terminal illness, cancer, heart attack or stroke, and many other critical and chronic illnesses.
✅SOCIAL SECURITY: How to maximize your social security and educate you the details.
✅MEDICARE: How to choose the best Medicare, healthcare plan, when you retire. For many Medicare can be complicated and we educate on the various plans and carriers so you can choose the best Medicare plan for you.
✅ LONG-TERM CARE: Do you have long-term care insurance or a plan? We offer several plans through our insurance partners.
✅RMD’s: Required Minimum Distributions – What are they and when do you have to take them.
✅DISABILITY: How to protect your paycheck and income. Did you know there are income protection products that will provide you with an income if you become injured, disabled, or sick?

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DISCLAIMER:
Always seek professional assistance when making financial decisions about your retirement, taxes, and estate. Mike Brenhaug does not offer legal or tax advice.
The purpose of our content is to create awareness of the importance of retirement planning and for educational purposes and does not constitute investment, tax, legal or financial advice. Always consult with your financial professional, tax advisor, and estate/trust attorney that are familiar with your specific situation and can advise you as such. Historical data, projections, and statistics used in the videos are for illustration purposes and therefore never considered final since the economy and market are constantly changing….(read more)

LEARN MORE ABOUT: Retirement Annuities

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Retirement is a significant phase of life that requires careful financial planning. One crucial aspect of retirement planning is deciding where to invest one’s savings. While there are several investment options available, two popular choices are the stock market and fixed indexed annuities. Both have their advantages and disadvantages, but understanding their differences can help retirees make an informed decision about which option is the better fit for their retirement savings.

Investing in the stock market can be enticing due to its potential for higher returns. Historically, the stock market has provided impressive long-term growth, especially for those who invest in diversified portfolios. However, it is worth noting that the stock market also carries a level of risk. Volatility and market downturns can result in significant losses, which might be challenging to recover from during retirement.

On the other hand, fixed indexed annuities offer a more conservative approach to retirement savings. An annuity is a contract between an individual and an insurance company, where the individual pays a lump sum or periodic premiums in exchange for guaranteed income in the future. Fixed indexed annuities are specifically designed to participate in the stock market’s growth while providing a certain level of protection against downturns.

The main advantage of fixed indexed annuities is their principle guarantee. Unlike the stock market, where there is a risk of losing money, fixed indexed annuities provide a minimum guaranteed return. This assurance can bring peace of mind to retirees who prioritize capital preservation and want to protect their savings from market volatility.

Additionally, fixed indexed annuities provide the option to convert the accumulated value into a lifetime income stream, ensuring a steady income stream throughout retirement. This can be particularly attractive for individuals concerned about outliving their savings. However, it is crucial to thoroughly review the terms and conditions of the annuity, as there may be limitations on withdrawals and potential surrender charges.

Despite the benefits, fixed indexed annuities also have some drawbacks. One notable concern is the limited upside potential compared to investing directly in the stock market. While annuities participate in the gains of the stock market, the returns are usually capped, meaning investors may miss out on potentially higher returns during periods of strong market growth.

Another factor to consider is the fees associated with annuities. Fixed indexed annuities often have higher fees compared to investing in the stock market directly. These fees can erode the overall returns on investment, so it is essential to thoroughly understand and compare the fee structures of different annuity providers before making a decision.

Ultimately, the suitability of either the stock market or fixed indexed annuities for retirement savings depends on an individual’s risk tolerance, financial goals, and personal circumstances. Some retirees may find the potential for higher returns in the stock market appealing, while others may prioritize capital preservation and guaranteed income.

It is recommended that individuals seek the advice of a qualified financial advisor who can analyze their specific situation and provide personalized recommendations. Retirement savings are too crucial to be left to chance, and careful consideration of all available options is essential to ensure a secure and comfortable retirement.