Reasonable Rate of Return** In Retirement

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Reasonable Rate of Return** In Retirement

We strive to help our clients earn a reasonable rate of return** in retirement. Investing in the stock market provides high interest rates, but carries a lot of risk. So, many retirees look for ways to protect their income while still earning a steady rate of return** in retirement. When considering your retirement income options, there’s a lot more to it then just investments. For example, some insurance products, as well as certain annuity products, offer both principal protection and the potential for a reasonable rate of return.**

Fixed Indexed Annuities

Although interest rates fluctuate, a fixed indexed annuity (FIA) typically provides anywhere from 3% to 6% over time. This range depends upon several different factors. The terms of the annuity, any additional benefits you’ve selected, and the amount contributed will all impact your rate. An FIA might be a viable option for you if you’re concerned with earning a reasonable rate of return** in retirement. Reach out to us to learn more. Other details about your individual situation will, obviously, also dictate whether or not an FIA is the right choice for you.

retired couple on a boat
woman walking her dog and contemplating reasonable rate of return in retirement

Returns on FIAs

The interest rate of an FIA is tracked using an index. If the index rises above a certain level, your FIA gains interest credit. The calculation of your rate is based on several factors, including:

  • The term length of the annuity
  • Additional selected add-ons
  • Amount of money in your FIA
  • Terms and conditions added by the insurance company

Learn Your Options

We strive to provide our clients with all the information they need to make the right choices. Retirees should be able to keep their money safe, earn a reasonable rate of return,** and be confident in their overall retirement strategy. Reach out to us to learn how you can do this. Attend an educational retirement seminar, where we’ll discuss all the factors that impact your retirement and options that may help you. Or, schedule a one-on-one meeting with us, to discuss your personal financial needs and goals. We can help you search for the best ways to earn a reasonable rate of return** in retirement.

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