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Annuities that Are Most Liquid
- Thread starter jmarkk1
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I was thinking WL also, even rated when solving for cash growth vs death benefit rate is of little concern, could put it in over 3-4 years or just do a single drop in, also does not have to be on his life, could be on his wife with him being the owner, very liquid tax free growth and get all the riders
Anyone ever heard of a simple mix of bond and stock ETFs?
From 1970 to 2010 the lowest risk mix was 28% stocks / 72% bonds. VOO / AGG. Done.
If this money is currently in the bank then avoiding annuities is a no brainer. Enjoy the capital gains tax rate.
JMark isn't a securities rep...
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Guaranteed, is lower risk than some mix that requires a time frame in incur.
MYGA's are probably the best bet for a conservative farmer.
Show a conservative farmer the required stock etf documents and he'll let the animals loose on you.
But what is that guarantee protecting you from??? Show this farmer the "risk" that investors have taken over the last 85 years with a simple bond heavy portfolio and let HIM decide. Sounds like this farmer is ignorant of diversification and how it protects you. Sounds like he knows nothing about bonds and how bonds protect against stock loss. He was probably 100% in stocks in 2007 and so he panicked after the crash and put it all in a bank CD.
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Showing someone 85 years of history is one thing. Except the farmer likely wants to use the funds in a shorter time than 85 years and losses can occur in short time frames.
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But what is that guarantee protecting you from??? Show this farmer the "risk" that investors have taken over the last 85 years with a simple bond heavy portfolio and let HIM decide. Sounds like this farmer is ignorant of diversification and how it protects you. Sounds like he knows nothing about bonds and how bonds protect against stock loss. He was probably 100% in stocks in 2007 and so he panicked after the crash and put it all in a bank CD.
Will this be the lowest risk for the next ten years?
But what is that guarantee protecting you from??? Show this farmer the "risk" that investors have taken over the last 85 years with a simple bond heavy portfolio and let HIM decide. Sounds like this farmer is ignorant of diversification and how it protects you. Sounds like he knows nothing about bonds and how bonds protect against stock loss. He was probably 100% in stocks in 2007 and so he panicked after the crash and put it all in a bank CD.
I do not know much about securities or bonds and how bonds protect against stock loss, but what kinda fees come along with the 75/25 blend?
$9.99 to buy AGG and $9.99 to buy VOO through E Trade or AmeriTrade. Then 0.08% and 0.05% per year.
6 or half a dozen. Will it be 28/75 or 31/69? The point is that history says that there isn't going to be any great risk to a portfolio over long time periods of 10 + years. An annuity is a long term commitment -- that's what we're comparing with. Great loss over long time periods has never happened in history, even including during the great 1929 crash when there was no SEC, no QE, no glass steagall act, etc.
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