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You are here: Home / Annuity Commentary / Can Annuities Help You Avoid the 2016 Crash!

Can Annuities Help You Avoid the 2016 Crash!

January 9, 2016 By Annuity Guys®

Can Annuities Help You Avoid the 2016 Crash?… Absolutely!

If you think like many Americans and some economic experts that a crash is coming in 2016 to the equities market and you would like to move some of your assets to a safer place, fixed and fixed index annuities (FIA) could be a viable option for those investment dollars. Fixed annuities and FIAs have the ability to offer **guaranteed rates of growth that typically exceed…[continued below video]

Video: The Annuity Guys, Dick and Eric, discuss how annuities can protect you in a market downturn.

**Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values. During this segment, Dick and Eric are referring to Fixed Annuities unless otherwise specified.

[continued]… what you can find from any banking institution presently by two to six times their interest rate growth. Fixed index annuities allow for a participation in the upside of many equity indices without having investment risk from those indices should the equity market correct or even crash.

Many FIAs allow you to choose from a variety of growth options that allow you the flexibility of choosing a fixed interest growth rate in one year and the option of choosing index based growth for greater growth potential in another year. So, the majority of fixed index annuities provide for re-allocation annually based upon your individual preference or with some guidance from your advisor.

Should you take all of your money out of the equities market? For most people the answer is no. Historically the stock market has produced higher positive returns over the long haul… So as long as you have the time to recover from losses in a protracted downturn that will not impact your lifestyle or health, you may elect to keep money in the market and hopefully ride out the downturns. We are not fans of trying to time the market since repeated studies and most active management results have shown that it is virtually impossible to do so. However, we know that with fixed and fixed index annuities you no longer have to even try.  Since, you can get interest growth from a portion of a market index that is rising with NO market index downside risk.

Article from Seeking Alpha, January 7, 2016

Could This Be 2008 Again?

Summary

  • Investors are very nervous again, especially as they see another huge crash happening in China.
  • The current economic problems can be best observed in the energy and commodities markets, which have crashed.
  • However, the situation is very different from 2008, and this time central bankers will have no choice but to intervene before things get out of control.

People are starting to get nervous, especially when they are looking at another 7% crash in China. George Soros said it sounds like 2008 again. Of course, one day it will be the end of the world, at least financially, and many times there will be deep crises which will panic people so badly that they will feel like it is the end of the world. It is inevitable to have such episodes once in a while.

But can this time things get so bad that would be another end-of-world scenario like 2008? 2008 didn’t start well. 2016 hasn’t started well at all. If at least the start, or the first quarter, is to resemble 2008 then 2016 can have further to go, downwards (as can be seen in the chart of the S&P 500).

There are several worrying real issues out there to which we do not know what may be the outcome a few months from now. One is the economic and financial unraveling that seems to be going on in China. Another is the energy and commodities crash that seems to continue, at least for now. And what is actually most important is that asset valuations in some parts of the rich world are quite high, compared to historical levels, and can therefore easily fall to lower levels. […Read More at Seeking Alpha]

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Filed Under: Annuity Commentary, Annuity Guys Blog, Annuity Guys Video, Annuity Returns, Annuity Safety, Fixed Index Annuity, Hybrid Annuities Tagged With: annuities, Annuity, Annuity Safety, Equity-indexed Annuity

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Annuity Guys®, Dick & Eric, enjoy entertaining you with their off-beat sense of humor, lighthearted sarcasm, and no shortage of expertise on annuities as they discuss today's retirement challenges. Got annuity questions... they've got annuity answers!

 

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     Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection.
     
    Material Fact 1:
      About 90% of advisors ARE NOT REQUIRED by law to do what is best for their clients!
     
    Material Fact 2:
     Fiduciary Advisors ARE REQUIRED by law to do what's best for their clients! 
     
      Hence, clients of a fiduciary can know that their advisor chose the highest legal standard required by law to work strictly for their highest good.
     
     We estimate Fiduciaries are less than 10% of total U.S. financial service providers. Fiduciaries are held to the highest client legal standard of financial planning and investment advice.
     
     The other 90% are sales oriented advisors, brokers, bank reps, registered reps. & insurance agents, selling products on a much lower suitability legal standard, not necessarily what's best for their client!
     
       Fiduciaries also must disclose conflicts of interest that could potentially bias their advice, such as; selling products that pay them higher commissions having higher fees or costs, and their lack of investment product access limiting their client's opportunities, to name a few.
     
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  ** Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values. Annuities are not FDIC insured and it is possible to lose money.
Annuities are insurance products that require a premium to be paid for purchase.
Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.
During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.


  *Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping Annuity Guys website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this educational Annuity Guys Website. He still maintains his insurance license in good standing and assists his current clients.
Annuity Guys' vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)



  # Investors should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The current prospectus and underlying prospectuses, which are contained in the same document, provide this and other important information. Please contact an Investment Professional or the issuing Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.


  ^ Investors should consider investment objectives, risk, charges, and expenses carefully before investing. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.


  ^ Eric Judy offers advisory services through Client One Securities, LLC an Investment Advisor. Annuity Guys Ltd. and Client One Securities, LLC are not affiliated.


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