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The Investment Strategy Designed For Times Like This

Updated: Jul 30, 2020

What strategy should you take as a pre-retiree or retiree to secure your retirement funds and still receive growth opportunities in the wake of COVID-19?

There is a strategy we have recommended to many retirees and pre-retirees, and there is a good chance it could be a wise choice for you!

The strategy we are talking about is a Fixed Index Annuity (FIA). Have you heard about this investment tool before? Chances are you haven't, but it's an important tool for people at or nearing retirement age because of the many benefits we will discuss.

Not many people have heard about a Fixed Index Annuity - and for a good reason! While you were building your nest egg during your working years, a FIA probably wouldn't have been the correct strategy for you.

FIA's are not designed to build your retirement funds. FIA's are designed to secure, protect and provide growth opportunities for your retirement funds.

Now that you have reached or are nearing retirement, you must begin to adjust your strategies. You no longer have the luxury of taking on risk because time and earning potential are no longer on your side.

Read this valuable information to discover why the Fixed Index Annuity (FIA) is a wonderful investment strategy for retirees and pre-retirees.

1. We believe once you get older, you should be safer with your money.

As you age, your earning power decreases, which means you should choose more risk-adverse strategies.

2. There is no wrong investment – there are poor strategies.

The strategies that carried you to retirement will not carry you through retirement. You must change the strategy to match your age. Too many advisors do not change their client’s strategies as the client ages.

3. Will the markets continue their volatility and should you try to wait it out?

It’s no secret our country is facing economic challenges stemming from record unemployment numbers and government stimulus plans reaching into the trillions of dollars. We don’t know how this will impact the economy, but do you want to gamble your retirement monies during such an uncertain period? Do you even have the time to wait for the market to come back?

4. Fixed Index Annuities are not for everyone.

Just like any investment strategy, the Fixed Index Annuity is not for everyone. If you are at or nearing your retirement years, this strategy is a great choice as it guarantees you will not lose money, but you can see annual returns that could average 4-5%.

5. Fixed Index Annuities guarantee you will not lose money & can receive market growth.

That’s right. You can’t lose money, but you can see significant growth opportunities with strategies designed to give you a portion of the market’s growth. What happens when the market drops? You post a zero, meaning your retirement account doesn’t drop.

6. Fixed Index Annuities performed as well as the stock market over a 20-year time span, but with zero risk.

Because this position eliminates losses, you can see steady growth versus fast leaps and large drops. Remember, slow and steady wins the race.

7. This position provides peace & security.

Do you find yourself regularly stressed at the thought of market volatility causing a dramatic change in your financial future? With the FIA, you can rest easy knowing your finances are secure.

8. Creating and preserving wealth is not about making large returns, it’s about consistent returns and eliminating losses.

A secret to wealth building is eliminating negative returns. If you can eliminate losses, you have a greater opportunity to accumulate wealth.

9. Fixed Index Annuities have zero fees.

That’s right. We design plans with zero fees.

10. You have access to your money.

With a Fixed Index Annuity, you have acess to up to 10% of your money each year after the first year. Most of the plans we create are for 10 years, and after that you can do whatever you would like with your money. A common rule for retirement planning is if you think you will need more than 10% of your money, than you probably shouldn't have your money in a retirement account - it should be liquid and available to you.

Do you want to learn more about this strategy and other investment strategies for pre-retirees and retirees? We would love for you to join us for an upcoming digital seminar - a webinar - where we will show retirees how to create a confident financial future.

If the uncertain economic future we face causes you any concern, there has never been a better time to learn how to find peace and truly enjoy your retirement years.

Click HERE to learn more about A Confident Financial Future.


Want to learn more about Berry Financial Group and the strategies we have directed retirees and pre-retirees take for the last 30 years? Schedule a free financial conultation today! Click below or call 1-888-774-6181 to schedule a meeting.

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