3 Reasons Why You Should Ask Your Advisor About A Fixed Annuity
Guaranteed and predictable. These are two words that don’t typically come to mind when you think about the future. But when you think about your financial future, with the right investments, these terms don’t have to be far off.
If you’re looking for a steady stream of income for retirement, a fixed annuity can offer just that. With many investors risking loss by economic downturn, investing in a vehicle that guarantees your rate of return makes for a winning decision. Whether you’re thinking of yourself or the financial security of your loved ones, we’ve got 3 reasons why should be asking your advisor about fixed annuities.
Your spouse will be taken care of.
If anything should happen and you become extremely ill or find yourself needing the services of a nursing home, a fixed annuity guarantees a continued source of income for your spouse.
Liquidity is a must.
While many long-term investments can seem overwhelming with commitment, fixed annuities offer the ease of liquidity for more flexible and less demanding terms.
If you aren’t convinced yet, this one should seal the deal. Because earnings are not taxed until withdrawals, your investment earns interest on principal, interest on interest and interest on tax savings.
Still not convinced? Contact a Bankers Life Insurance agent in your area and get answers to all your investment questions.
SPDA-7 Credited Rate Still Strong At A 3.20% Rate
Due to the recent stock market changes, rates have seen variations of their own. One thing that hasn’t changed is our NEW SPDA-7 annuity rate that holds at 3.20%.
With the SPDA-7 tax-deferred, interest bearing annuity, you'll enjoy a 7-year guaranteed rate. Unlike a CD, your principal earns interest, your interest earns interest and the money you would have paid in tax earns interest.
Explore our product pages to find current rates on all of our great products and discover which option is best for you.
One thing that has not changed at Bankers Life Insurance Company is our exceptional customer care. No automation. No joke. Call us today at 800.839.2731 to get started on your investment journey.
Stocks Cheer Stimulus—For Now⎯ http://online.wsj.com
Europe Pledge to Buy Countries' Bonds Is Latest Central Bank Move, but Some Ask if It Will Last
“A fresh jolt of aid from the European Central Bank eased investor fears about European solvency and propelled stock markets globally. But the advances underscored how much investors and markets rely these days on action by the world's central banks, which have been the main source of stimulus for economies and markets.
Gains came across the board. The Dow surged 244.52 points to 13292.00, its highest level since December 2007. The Standard & Poor's 500-stock index reached its highest in four years and the Nasdaq Composite Index jumped to nearly a 12-year high.”
Alternative Investments Run Hot and Cold⎯ http://www.lifehealthpro.com/2012/08/30/seniors-comment-on-their-risk-tolerance-for-altern
While the investment community continues to buzz about alternative investments, performance concerns may be tempering that enthusiasm, according to new research. The buzz surrounding alternatives remains strong. In Natixis Global Asset Management’s 2012 U.S. Advisor Study, roughly half (49%) of the 163 U.S. advisors who responded (representing approximately $670 billion in assets under management) said they regularly employ alternative investing strategies across their client base. Within that segment, 79% said they do so to improve diversification, 68% to reduce risk, 51% to enhance returns, and 42% to dampen volatility.
That enthusiasm is doused somewhat by results of the fourth annual U.S. alternative investments survey by Morningstar and Barron's. Overall, financial institutions reported a retreat in interest and investment in alternatives in 2011 after three consecutive years of growth. According to Morningstar and Barron’s, the $23.2 billion in alternative mutual funds inflows in 2011 represented a drop of $1.8 billion from 2010. What’s more, 26% of the institutions surveyed indicated they plan to allocate more than a quarter of their portfolios to alternative investments, down from 37% in the previous survey.
Still, a majority of advisors (64%) indicated in the Natixis survey that they are apt to employ alternative investment strategies for mass-market clients with $200,000 to $300,000 in investable assets. What kinds of alternative investments are they most apt to use? According to Morningstar and Barron's, institutions identified long/short equity (or debt) and private equity/venture capital as the top two strategies for increased allocation, followed by managed futures. For the second consecutive year, advisors cited managed futures as the asset to which they were most likely to increase their exposure.
Bankers Life Insurance Announces New Product⎯ http://www.bankerslifeinsurance.com
Bankers Like Insurance Company President and CIO J. Stuart Platter announced today the offering of a new annuity product, Interest Plus+™. This trademarked approach to retirement planning and savings combines guaranteed high return rates and convenient access to accumulation value, making it an ideal product for the conservative investor who may want to take advantage of a range of other opportunities as they arise. “It’s really the best of both worlds,” says Platter, “a high guaranteed rate and access options.”