I’m sure you have seen all the promotional emails lately about products from a variety of our annuity carriers. A special limited time offer for a 30% premium bonus with Allianz; a 54% participation rate on the straight S&P 500 with American Equity; and other top carriers with annual point-to-point caps over 5%. All of these rates are great and …
Update (8/22/18): It has now been 3,453 days since the S&P 500 hit a low of 666 during the 2008 financial crisis. This is now the longest bull run in history. Let’s take a quick look at what happened after two other historically long bull runs. October 1990 – March 2000: Climbed 417% before having three consecutive years of -9.1%, …
Recently, I wrote a blog post about bonds and other vehicles vs. fixed indexed annuities. I focused on a whitepaper that I wrote that illustrates a case study on retirement income. More recently, there was an article on Kiplinger’s, which you can find in the references below; the article discusses several different points, but the one that sticks out to …
As I near my 35th birthday, I reflect on the years that have brought me here and the years I have in front of me. I am, I hate to admit, a millennial. By two years. Millennials are defined by those born between 1981 and 1991. Millennials face a unique challenge when it comes to retirement savings. As the article …
I remember my first bond. And no, I’m not talking about a spy movie. My first bond was given to me by my grandparents. It paid a healthy rate, 6%, and I held it to maturity and cashed it in, because rates had dropped significantly. And really, that’s where rates have stayed. Near historic lows, bonds do not offer the …
