Annuity Help

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Common Retirement Planning Problems

How You're Securing Your Retirement Assets?

Real-Life Examples of Market Crashes..

The S&P 500 graph illustrates market volatility over the past 20 years (2004-2024). Retirement funds invested in the market are susceptible to market fluctuations.
For a $1 million retirement account, a 25% market drop in 2007/2008 would result in a $250,000 loss. Based on the market graph, recovering this loss could take approximately five years.
A market crash near retirement can significantly impact income withdrawals, making it difficult to recover lost funds.
Help My Pension

Let's take a look, If you have a market loss, the positive returns you need to get to break even.

As an example, if you have market loss of -10%, you need +11% to get back all your money back. Say you have $1,000,000 in your retirement account, there is -20% market performance in a year, your money will be $800,000. A $200,000 loss. The following year, market gains +20%. Will you get all your money backe? NO.
($800,000 x 20%) + 800,000 = $960,000 (still $40,000 loss).
You Actually Need +25% market gains to break-even, more than +25% to get into profit. So, losing money will cost you net loss and time.
Check this graph, how much returns you should get in case of a market loss just to break even.

Let's Check Few Scenarios

Client Invested $60,000 in 2016 in a Retirement Account.

  • Account Reached $102,000 in 2021 but dropped to $81,000.
  • Client Missed Opportunity to Transfer During High Point. Not actively checking.
  • It took almost one year to get back to a reasonable value.
  • Account Stabilized at $94,500 in 2024; Transfer Completed.

Recommendation:

  • Regularly Monitor Retirement Accounts, catch the high point and distribute into a growth and principal secured a good return plan.
  • Contact a financial professional who can assess all your retirement accounts and set a strategy as per your needs

How do we Solve It?

Diversify your portfolio, secure a portion into no risk,
gurnateed lifetime income strategy.

Age

40 Years

  • Industry best Premium Bonus Option
  • Example $200K investment
  • Premium bonus
  • Retirement income + death benefit.
  • Many years of tax deferred growth

The Sample Illustration
Age

50 Years

  • Enhanced Participation rates
  • Example $200K investment
  • Best Premium bonus
  • Multiple top Index
  • Retirement income + death benefit option.
  • Popular in the Athene market

The Sample Illustration
Age

60 Years

  • Short locking period before income starts
  • Example $200K investment
  • Build in Death Benefit
  • Flexibility with different crediting options
  • Potential for increase income

The Sample Illustration
Age

70 Years

  • Immediate Annuity
  • $200K investment
  • Maximum lifetime guaranteed income
  • You can predict exact income & paln accordinlgy,
  • Simple and easy to understand.

The Sample Illustration
Annuities are financial products designed to provide a steady stream of income during retirement. With a variety of options available from reputable A+ rated companies, annuities can be tailored to meet your specific needs, regardless of your age. These are some common annuity scenarios based on age groups
All Illustrations are as per selected indexs non-guaranteed, generated using company illustration software.
Annuity Types

Annuity Types & How It Works
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