Safe Money Alternatives

What is the first thing that comes to mind when you think of safe money? Most people automatically think of the banks. Keep this in mind as you read further. The banks are not the only place for your safe money.  The diversification of your money is one of the most important concepts to understand within your financial plan.  There are some great Safe Money Alternatives now available to you:

1. Save money for the future
2. Defer paying taxes every year on your savings
3. Experience a better return than the average CD
4. Have the opportunity to participate in market gains but avoid losses
5. Guarantee interest gains every year

And if found necessary, have the opportunity to receive a guaranteed 5-8% growth to be distributed for a future lifetime income

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Does this sound too good to be true? Does this type of product actually exist?

For those people that have never heard of such a vehicle or do not currently own one, this product does not exist. But in retrospect, millions of people own these products today and no one has ever lost a dime to market fluctuation.

Over the last few years our economy has gone through some major changes, most of which have affected many Americans’ retirement accounts. Safe Money Alternatives and Learn How to Retire have combined their resources to promote “Individual Empowerment”. We want to change the way people make decisions about their money through education. This website is a resource for you to learn about the safe money alternatives available to you that your broker and banker are not teaching you about. There are Safe Money Alternatives to CD’s, Savings accounts, Money Market accounts etc…..

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A Safe Money Alternative

A Fixed-Indexed Annuity (FIA) is a fixed annuity with an interest rate that is linked to the performance of a stock index (S&P500 or NASDAQ for example). The interest rate can increase or decrease depending on the market, but is guaranteed by the issuer not to go below a specified rate. FIA’s offer safety of principal, a guaranteed minimum return, and the ability to participate in market gains through an index-linked interest rate. FIA’s have many features such as participation rates, interest rate caps, and administration fees. There are also many methods used to calculate and credit interest such as the point-to- point, high-watermark, averaging, and annual reset indexing methods. Features and indexing method directly affect an FIA's potential return. (Visit www.learnhowtoretire.com for more detailed information)

An FIA can be described as a hybrid of a fixed annuity and a variable annuity, having some characteristics of both, and falling in between regarding the potential for return and levels of risk. With a traditional fixed annuity, the annuity issuer guarantees both the rate of return and the payout. Investors in fixed annuities elect safety of principal and guaranteed returns over market risks and the potential for higher returns. With a variable annuity, the rate of return varies according to the performance of the investments you choose from those offered by the issuer. With the exception of a guaranteed sub account, variable annuities do not offer any guarantees on the performance of the sub-accounts. You assume all the risk related to those investments including the risk of losing principal. In return for assuming this greater amount of risk, investors in variable annuities have a greater potential for growth in earnings. FIA’s take the middle ground, offering limited downside risk balanced by limited upside potential for returns. They offer safety of principal and, generally, a minimum rate of return if the FIA is held for the full term. (Visit www.learnhowtoretire.com for more detailed information)

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Are Fixed-Indexed Annuities Safe?

Yes. Both principal and credited interest are protected from index declines, so the worst thing that could happen is the stock market drops for years, and you still get back your principal plus a little interest. The index annuity is as safe as the insurance company issuing it. States and independent rating firms examine financial books of insurance companies on a regular basis. They make sure that there is enough money to cover everything, which is why you rarely hear of an insurance company going bust. If a company did go out of business, other insurance companies would assist with the annuity contracts of the troubled company. Also, every state has a guarantee fund to dip into and protect annuity contract owners, within certain limits.

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Who Buys a Fixed-Index Annuity?

People purchase an index annuity because they are not satisfied with the returns from their CD’s and fixed rate annuities, and don't have the time for the stock market.

If you have sufficient time to recover from potential losses, direct stock market investments should give you a higher return than index annuities. However, if your timeframe is too short to recover from a potential bad market, or you simply don't like the idea of possibly losing principal, index annuities are used as an alternative saving vehicle to bank instruments, fixed rate annuities, bonds and mutual funds.

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What Interest Have Fixed- Index Annuities Actually Credited?

The highest fixed-indexed annuity interest rate credited for one year was over 40%., but during the millennium bear market most index annuities credited 0%. Index annuities have been around since 1995, and since then, we have seen the strongest bull market in years - with five years of high double digit stock market gains, and the worst bear market in three generations. Index annuities are designed to provide a return somewhere between stock market vehicles and savings instruments and they have been performing as intended.

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How Are They Different From Other Fixed Annuities?

A Fixed-Indexed Annuity is different from other fixed annuity contracts because of the way it credits interest to your annuity's value. Some fixed annuities only credit interest calculated at a rate set in the contract. Fixed-indexed annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any, is calculated and credited. How much additional interest you get and when you get it depends on the features of your particular annuity. Your Fixed-Indexed Annuity, like other fixed annuities, also promise to pay a minimum interest rate. The rate that will be applied will not be less than this minimum guaranteed rate even if the indexed-linked interest rate is lower. The value of your annuity also will not drop below a guaranteed minimum. For example, many single premium contracts guarantee the minimum value will never be less than 90 percent of the premium paid, plus at least 3% in annual interest (less any partial withdrawals). The minimum guaranteed value is the minimum amount available at the end of the term. (Visit www.learnhowtoretire.com for more detailed information)

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Since Interest Is Based On An Index, Isn't This Similar To A Variable Annuity?

No, if a variable annuity account goes down, you could lose principal. Index annuity principal is protected from market risk - you can't lose principal if the index declines. Variable annuity gains are not locked in. Once index-linked interest is credited in an index annuity it cannot be lost, even if the index declines substantially. Variable annuities also include reinvested dividends but neither the index nor index annuities reflect reinvested dividends. (Visit www.learnhowtoretire.com for more detailed information)

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So Do I Get All Of The Index Gains?

No. It costs the insurance company to provide this protection against loss. This means that you will not fully participate in all of the gains when the market goes up and you will not lose principal in a falling market.

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Are All Index Annuities The Same?

No. Index annuities have different penalties for early withdrawal, may offer alternate options for indexing. Some index annuities credit interest each year, some wait until the end of a longer period, some average the index values, others set a cap or maximum on the interest that may be paid, and some guarantee all of the fees or moving parts will not change, while others have the flexibility to adjust. What this means is one company could offer 100% participation in their way of calculating interest, and still credit less interest than another company that participates in 60% of a different method. Or, a company with a 3% asset fee could pay more than another company quoting a 0% fee. (Visit www.learnhowtoretire.com for more detailed information)

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What Kind Of Interest Will I Earn?

Index annuities are designed to provide a return somewhere between stock market vehicles and savings instruments, or somewhere between mutual funds and CD’s. Because interest is linked to movements of an index, there could be periods when the index annuity credits double-digit interest rates, and years when zero is credited. Index annuities were created with the intention of providing a more realistic potential for higher interest rates than other instruments that protect principal from market risk.

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How Do Fixed- Indexed Annuities (FIA’s) Work?

As with fixed and variable annuities, an FIA is a contract between you and an insurance company, in which you pay premiums and the issuer promises to make periodic payments to you in the future. You can pay premiums in one lump-sum or in installments over time. What makes FIA’s unique is that they offer a minimum guaranteed interest rate, but allow for the possibility of higher earnings by linking the interest rate calculation to the performance of an equity index. Interest is calculated using a formula based on changes in the index. The terms of the FIA contract dictate how interest is calculated and when it is calculated. (Visit www.learnhowtoretire.com for more detailed information)

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What Are The Key Strengths Of FIAs?

• They offer safety of principal and generally guaranteed minimum returns.
• They offer tax deferred growth.
• They have no annual contribution limits as long as they are flexible premium FIAs.
• There is a guaranteed death benefit for your beneficiaries.
• There are no penalties for mandatory distributions at age 70 ½.
• They give you the option of receiving a guaranteed income for life, called annuitization, or may offer a Guaranteed Minimum Income Benefit (GMIB) for life without having to annuitize. Currently available with a 5-8% guarantee for future income.
• They may avoid probate.
• They allow for participation in market increase.

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How Do I know Which Fixed-Indexed Annuity Is best For Me?

As with any other insurance product, you must carefully consider your own personal situation and how you feel about the choices available. No single annuity design may have all the features you want. It is important to understand the features and tradeoffs available so you can choose the annuity that is right for you. Keep in mind that it may be misleading to compare one annuity to another unless you compare all the other features of each annuity. You must decide for yourself what combination of features makes the most sense for you. Also remember that it is not possible to predict the future behavior of an index. If you feel an FIA may be right for your situation; consulting with a trusted Safe Money Representative will make product selection and the accomplishment of your goals a very simple process. (Visit www.SafeMoneyRep.com to find an advisor in your area)

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What Questions Should I Ask My Financial Representative Or The Insurance Company Before Making Any Financial Decisions?

• Is this a single premium or flexible premium contract?
• Is this a Fixed-Indexed Annuity?
• What is the initial interest rate and how long is it guaranteed?
• Does the initial rate include a bonus rate, and how much is the bonus?
• What is the guaranteed minimum interest rate?
• What renewal rate is the company crediting on annuity contracts of the same type that were issued last year?
• Are there withdrawals, surrender charges or penalties if I want to end my contract early and take out all of my money? If so, how much are they?
• Can I get a partial withdrawal without paying surrender charges for reasons such as death, confinement in a nursing home or terminal illness?
• Is there a market value adjustment (MVA) provision in my annuity?
• What other charges, if any, may be deducted from my premium or contract value?
• If I pick a shorter or longer payout period or surrender the annuity, will the accumulated value or the way interest is credited change?
• Is there a death benefit? How is it set? Can it change?
• What income payment options can I choose? Once I choose one payment option, can it be changed?

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We promote “Individual Empowerment Through Education” Understand the facts and only work with people you can trust! If your broker is not offering these types of products please contact us, they need to be educated as well. Please share your thoughts with us by emailing This e-mail address is being protected from spambots. You need JavaScript enabled to view it , commenting on our blog postings www.learnhowtoretire.com/blog or contact us at 1-800-790-7791.

SafeMoneyAlternatives.com is a Safe Money Resource website. Safe Money Resource does not provide legal, taxation or investment advice. Safe Money Resource, Inc. claims no liability for any content or information provided. Please consult with your tax advisor and financial professional before making any decisions. Copywriter Safe Money Resource 2008

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