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BENEFITS OF A FIXED INDEX ANNUITY; how your retirement account can go up and does not ever have to come down.

 

Want off the stock market rollercoaster?

 

 

Choosing the right accumulation vehicle for retirement can be difficult. With so many choices, which product will be right for you? On one hand, you want the safety and guarantee of premium. On the other hand, most people prefer the potential of higher returns by being invested in the stock market. This was the decision that retirement savers had in the past—(1) receive the guarantee of premium and a minimum amount of interest or, (2) link oneself to the market with the potential of higher returns, but also accept the downside risk to your premium.

 

Now you can have the best of both worlds; guarantee of premium and the potential of market growth with no risk of loss of premium due to market downturns.

 

SAFETY AND GUARANTEES OF PREMIUM

A fixed index annuity provides you with the best features of a traditional fixed annuity: Guarantee of Premium. Unlike most securities or mutual funds where your account balance can fluctuate due to market performance, a premium deposited into a fixed index annuity is guaranteed to never go down due to market downturns. A contract owner of a fixed index annuit participates in market growth.

  

THE POWER OF TAX DEFERRAL

All annuity values accumulate on a tax deferred basis until withdrawn. Therefore,your money can grow faster because you earn interest on dollars that would otherwise be paid as taxes. Your premium earns interest and the interest compounds allowing you to accumulate more money over a shorter period of time, thereby earning a greater return on your investment.

THE POWER OF TAX DEFERRAL

GUARANTEED LIFETIME INCOME

Life time can provide you with a guaranteed income stream with the purchase of a fixed index annuity. You have the ability to choose from several different annuity paymentoptions. With nonqualified plans, a portion of each annuity payment option represents a return of premium that is not taxed, thereby reducing your tax liability from your annuity payments.

 

 

STOCK MARKET GROWTH

While the fixed index annuity concept offers many features of a traditional fixed annuity, it has a rather unique feature that allows a potential of stock market- or bond-linked growth without the risk of any market-type loss. In contrast to a securities-type product or mutual fund where the investor bears the market risk, the fixed index annuity concept insulates the contract owner from any risk of loss of premium due to market downturns.

 

 

EXPECTATIONS FOR THE FIXED INDEX ANNUITY

The concept of a fixed index annuity is a simple one: allow the potential for market-linked gainswithout exposure to the market risk. Contract owners enjoy the guarantees and safety of premium even while being linked to market growth. However, they should not expect fixed index annuities to mirror the exact performance of any stock market or bond indices. Since a fixed index annuity uses a passive investment strategy, it will not mirror the exact return of the stock market or bond index.