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Author: Mike Makler Article source: http://stlmoinsurance.blogspot.com/. Used with author's permission.
Seniors on fixed incomes face a unique problem. Where do
they invest their savings to get maximum return on
investment with limited risk? Some of the traditional
places like CDs and Treasury Notes are extremely safe,
however the yields tend to be very low. Stocks and Mutual
Funds while offering a potential for a higher yield have a
risk factor that most seniors find unacceptable.
What if you knew you absolutely positively could not loose,
Would you invest in the stock market? Imagine if their was
a way that you could enjoy the upside potential of the
stock market with absolutely no downside Risk, would you
be Interested?
Equity Indexed Annuities may be the Solution you are
looking for. Many insurance companies are now offering
Equity Indexed Annuities. These annuities allow you to
mirror the gains of popular stock market indices like the
S&P 500 or the Dow Jones Industrial Average while not
loosing any of your investment capital.
In simple terms if the stock market goes up your Annuity
also goes up but if the stock market goes down your
Annuity does not loose any value. An Equity Indexed Annuity
is not an Investment in stocks or Mutual funds instead it is a way the Insurance allow your Investments to mirror the gains of the stock market with no downside risk.
Many Popular Equity Indexed Annuities are set up using a
monthly tracking Method. Once a Month the insurance
company will look at the stock market index to determine
the gain or loss. If the index goes up 2% then they
put a plus 2 on your scorecard. If the index goes
down 4% then they put a -4 on your score card. At the end
of the year the Insurance company totals your scorecard for
the year if it is positive (say 8%) they would then add 8%
to your annuity value however if it is negative your
annuity value would stay the same. If you started the year with
an annuity value of $10,000 your annuity would still be worth
$10,000. It doesn't matter if your score card has a
Negative 1%, 10% or 99% you will not loose one cent of your
$10,000 starting value.
Every year your Annuity Value is reset, Using the above
example if you Annuity started the year with a $10,000
Value and your score card shows a plus 8% for the year your
Annuity would know be Reset to $10,800 and the process
starts again. To sweeten the Pot even further many
insurance companies are offering Bonus Equity Indexed
Annuities, these vehicles work exactly the same as Equity
Indexed Annuities but the insurance companies will add a
Bonus of up to 10% to your Annuity. If you place $10,000 to
start in your annuity with a 10% Bonus Annuity the
insurance account would now add $1,000 making your Bonus
Equity Indexed Annuity now worth $11,000. In addition you
could receive this 10% bonus for any funds you add in the
first 5 years.
With Equity Indexed Annuities from popular insurance
companies You can have it all. A way to earn some huge
Gains from the Stock market while being totally insulated
from any downside risk and a Bonus of up to 10% of all money added in the first 5 Years. Mike Makler is a Licensed Life Insurance Agent Based out
of St Louis Missouri. To Learn More Call Mike at
314 398-5547 or Visit Mike's Web Page http://ewguru.com/insurance
Copyright © 2005-2006 Mike Makler
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