Are All Annuities Bad? Separating Fact From Fiction copertina

Are All Annuities Bad? Separating Fact From Fiction

Are All Annuities Bad? Separating Fact From Fiction

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Most people think an annuity is an annuity. They hear the word and picture one bad product. But there are several kinds, and they work in very different ways. That mix-up may be a big reason annuities get such a bad name.In this episode, Stewart Smith, RICP®, LUTCF® and Mitch Davies, CFP® break down four types of annuities. You will hear how each one works, what it may cost, and where it could fit in a retirement plan. Then you can decide for yourself.Stewart also walks through a hypothetical look back at the market from 2000 to 2013. He shows how an indexed annuity could have compared with money kept in the stock market. This is an example for education only. It is not a promise of results, and past market results do not predict the future. To see it step by step, watch us demonstrate it on video on our ClearPath Retirement Planning YouTube channel: https://www.youtube.com/watch?v=alV0us0Xfu4In This Episode:* Variable annuities: why fees and market risk gave some people second thoughts* Immediate annuities: what it means to trade a lump sum for income* Multi-year guarantee annuities (MYGAs): how they compare to a CD* Indexed annuities: how interest could be credited using the S&P 500* The hypothetical 2000 to 2013 example, side by side with the market* When the stock market could come out ahead instead* Why a place to pull income from when markets are down could matter* Questions to ask about an annuity you already own: fees, limits on gains, and add-on ridersTimestamps:00:00 Why People Still Buy Annuities00:41 Fact Versus Fiction01:40 The One-Bucket Mistake01:54 Where the Bad Rap Started04:55 The Lump Sum Trade-Off05:59 The CD Look-Alike08:20 Income When Markets Are Down09:03 Great Benefits, Real Drawbacks10:10 How Your Interest Gets Credited12:16 Fees, Risk, and the Catch13:35 How the Snapshot Method Works17:15 The Lost Decade Example22:25 Same Years, Different Path27:06 When the Market Wins Instead27:58 Looking Beyond the Good Years31:12 When an Annuity Doesn't Fit32:27 No Allegiance to Annuities33:45 Questions About Your Annuity?Hosted by Stewart Smith, LUTCF®, RICP® and Mitch Davies of ClearPath Retirement Planning in Greenville, SC.Catch ClearPath Retirement Radio every Saturday at 10 AM or find us on Apple Podcasts and Spotify. Call 864-775-5033 or visit clearpathretirement.com to schedule a conversation.Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement Planning, LLC are separate and independent entities. This is for informational purposes only and is not intended as legal, tax or investment advice or a recommendation of any particular security, investment product or investment strategy. Subscribe to YouTube ClearPath Retirement Planning Ready to build your retirement plan?ClearPath Retirement Planning helps retirees and pre-retirees in the SC and NC areas create tax-efficient retirement income strategies. 📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615 📞 (864) 775-5033Schedule your ClearPath Retirement Review today www.clearpathretirement.com Subscribe & Connect: YouTube: @ClearPathRetirementPlanning Facebook: https://www.facebook.com/ClearPathRetirement LinkedIn: https://www.linkedin.com/company/clearpathretirementImportant Disclosure:Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement Planning, LLC are separate a...
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