FIXED INDEXED ANNUITIES (FIAS)

While often referred to as the dirtiest word in investing, annuities may be a useful investment tool in an investor’s portfolio. Fixed Indexed Annuities (FIAs) are insurance products that provide income guarantees, and are backed by the financial strength of the insurance companies that underwrite the policies. FIAs also offer protection in the form of a principal guarantee, while also offering potential growth based on the performance of a specified underlying index, like the S&P 500, for example.

FIXED INDEXED ANNUITIES (FIAS)

While often referred to as the dirtiest word in investing, annuities may be a useful investment tool in an investor’s portfolio. Fixed Indexed Annuities (FIAs) are insurance products that provide income guarantees, and are backed by the financial strength of the insurance companies that underwrite the policies. FIAs also offer protection in the form of a principal guarantee, while also offering potential growth based on the performance of a specified underlying index, like the S&P 500, for example.

FIAS AND DIVERSIFICATION

FIAs have similar characteristics to the traditional role that bonds or other fixed rate products have played in a portfolio. Yet FIAs offer the potential for gains when markets rise and won’t lose value if there is a negative market return. For investors beginning to consider saving for retirement or within 10 years of retirement, FIAs offer the potential of higher returns than bonds, protection of principal and safety from market volatility that comes with traditional investments.

FIAS AND DIVERSIFICATION

FIAs have similar characteristics to the traditional role that bonds or other fixed rate products have played in a portfolio. Yet FIAs offer the potential for gains when markets rise and won’t lose value if there is a negative market return. For investors beginning to consider saving for retirement or within 10 years of retirement, FIAs offer the potential of higher returns than bonds, protection of principal and safety from market volatility that comes with traditional investments.

FIAS AND DIVERSIFICATION

FIAs have similar characteristics to the traditional role that bonds or other fixed rate products have played in a portfolio. Yet FIAs offer the potential for gains when markets rise and won’t lose value if there is a negative market return. For investors beginning to consider saving for retirement or within 10 years of retirement, FIAs offer the potential of higher returns than bonds, protection of principal and safety from market volatility that comes with traditional investments.

FIAS AND DIVERSIFICATION

FIAs have similar characteristics to the traditional role that bonds or other fixed rate products have played in a portfolio. Yet FIAs offer the potential for gains when markets rise and won’t lose value if there is a negative market return. For investors beginning to consider saving for retirement or within 10 years of retirement, FIAs offer the potential of higher returns than bonds, protection of principal and safety from market volatility that comes with traditional investments.

WHY CONSIDER AN FIA?

At Bulwark Capital, we believe now may be a good time to consider FIAs because:

  • Bond prices remain near all-time highs
  • Like stocks, bonds prices can fall; and
  • Interest rates are still near historical lows.

That means for bond investments and fixed-income funds, including balanced funds, diversified funds and income funds, investors are paying high prices – among the highest they’ve had to pay historically – in exchange for owning assets in which they’re receiving near record low amounts of interest. What’s more, these bond and bond fund investments are exposed to potential loss of principal.

Our financial advisors can show you how to improve your portfolio’s security and possibly, at the same time, improve your returns. Call us now to see how an FIA may be a good fit for your portfolio.

WHY CONSIDER AN FIA?

At Bulwark Capital, we believe now may be a good time to consider FIAs because:

  • Bond prices remain near all-time highs
  • Like stocks, bonds prices can fall; and
  • Interest rates are still near historical lows.

That means for bond investments and fixed-income funds, including balanced funds, diversified funds and income funds, investors are paying high prices – among the highest they’ve had to pay historically – in exchange for owning assets in which they’re receiving near record low amounts of interest. What’s more, these bond and bond fund investments are exposed to potential loss of principal.

Our financial advisors can show you how to improve your portfolio’s security and possibly, at the same time, improve your returns. Call us now to see how an FIA may be a good fit for your portfolio.

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