Principal Protected Investing
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What if you could combine part of the stock market’s upside with absolutely zero downside risk? Better yet, what if after each year 100% of your gains were automatically locked in – guaranteed never to disappear? Well now you can do all of this and more by moving your funds into the safety of an Indexed Annuity.
With an Indexed Annuity you can:
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Permanently Crash Proof your portfolio
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Generate unlimited upside with zero market risk
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Lock in profits against market downturns
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Create your own personal pension and guaranteed income for life
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Accumulate tax-deferred wealth
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Enjoy market linked returns with 100% guaranteed minimum interest
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Reduce provisional income to avoid tax on social security
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Avoid probate fees on your assets without a trust
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Kick start your savings with a double digit bonus
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An Indexed Annuity is a deferred annuity that combines the downside protection of a traditional fixed annuity with the upside linked to the performance of a stock market index such as the S&P 500, NASDAQ 100, or Dow Jones Industrial Average. Indexed Annuities provide guaranteed minimum interest rates similar to fixed annuities, CD's and Bonds. But unlike these "safe money" investments, your interest earnings participate in the growth of the stock market with 100% downside protection.
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With interest rates still near all-time lows, investors seeking traditional "safe investments" like CD's, money markets and bonds, run the risk of losing their purchasing power. Current rates of returns earned on most CD's and money markets’ after tax returns are actually lower than current inflation rates. On the other hand, you run an even greater risk investing directly in the stock market, thanks to its prevailing uncertainty. Indexed Annuities offer the best of both worlds; downside protection like CD's, and upside potential from the stock market.
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Today there are more than 50 companies offering indexed annuities with over 300 products, each with numerous methods of crediting returns based on the stock market indices’ performance. At CFIS, we provide you with information about annuities and to help you decide whether adding an annuity to your portfolio suits your long-term financial objectives.