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The Real Truth About Fixed Index Annuities In A Bear Market

But what has the market done and what has been the average return since the market began. Well, let’s investigate the truth, believe it will be a real revelation.

We’ve had a bear market about every seven years, with the exception of the current bull run. It’s just math, your broker or financial adviser can manipulate the numbers, but they will never tell you the real truth because the truth will upset their bowl of rice and expose their high commission and hidden fees.

Let’s look at the S&P over another period:

In January 2000, the S&P 500 was at 1,469, in January 2013, the S&P was at 1,469, a zero return for 13 years. Yet your broker or financial advisor tells you nothing about the market; it always comes back. While history confirms the rise and fall of the market, the question is when. Will the market be down at a time when you might need your funds?

Here is another truth. From January 2000, the S&P 500 was at 1,496 in January 2019, the S&P was at 3,110. The fact is, over 19 years and the market has returned 3.9%. Yet your broker and financial genius, on all business networks, only gives you half-truths because that’s what sells.

Suppose you are nearing retirement or are already retired, if your hard-earned money is exposed to this type of market risk.

Most people don’t have the luxury of waiting for a market reversal, and they can’t afford those losses and you don’t have time for the market to come back either. It could take 5-7 years to bring you back to equilibrium, and only if the market allows you to break even. Get out of the Wall Street casino, the Wall Street boys are sharks, and they’ll eat you alive.

Let’s examine this myth of average returns and the truth of real returns. Let’s say the market in one year went down 50% and the next year it went down 50%. What would you hear from your financial advisor? You would hear, “Guys, we have good news, the market is up 50%!”, but the truth is that that year the return was 0%. We should be more practical than betting with the Wall Street casino because the truth is gambling in the market is legalized gambling.

Back to the bet, we bet $100,000, and the market drops 50%, we now have $50,000. Next year, the market return will increase by 50%; most people say we’re back even. The truth is you’re sitting at the casino table and you’ve only won $25,000 on top of your $50,000, you have $75,000, the fact is you’ve lost another $25,000. Again, you can’t absorb those losses in retirement, and it’s time to get out of the Wall Street casino.

You say, “Okay, but where can I put my money and shelter it from market risk, and never lose my principal and still get a decent return?” Let’s minimize the damage of the bear market and consider a fixed index annuity.

You ask, “what is a fixed indexed annuity?” A fixed indexed annuity is the way to keep your money safe, get guaranteed steady growth and an income you’ll never outlive.

A fixed indexed annuity is a contract between you and an insurance company. The fixed indexed annuity offers you the possibility of tax-deferred growth based in part on the variations of a market index. However, you do not take risks in the market. The insurance company offers you a return based on an index, sheltering the risk. Plus, they give you the ability to convert your annuity into a stable, guaranteed stream of income for life, while protecting your hard-earned capital from the uncertainty of market volatility.

Many fixed index annuities have no fees unless you choose a specific rider that may suit your goals. With a fixed indexed annuity, you can never lose your capital. You will see growth with market increases, depending on the fixed indexed annuity you choose from the insurance company, and if the market goes down, you never lose a penny. You can only go up or sideways, never down.

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