2012年7月10日 星期二

Three Safe Money Retirement Alternatives


With the world financial system in crisis; the United States in a recession, Europe economy on the brink of collapse, Investors losing money with their investments, employees are losing money in their 401ks. There are hardly any companies offering and type of pension plans. Banks are offering next to nothing interest rates. Plus inflation and taxes eat away any possible gains.

Jan Hatzius Chief Economist Global Investment Research at Goldman Sachs stated that "Our outlook for the global economy in 2012 and 2013 is slower growth than the last couple of years"

What does that mean? What's a person to do? Where can you put their money and not lose the principle, not have taxes on the gains and not worry about inflation eating away their money. Additionally, not have to worry about outliving your money.

Many baby boomers are doing just that; worrying about not having enough money to retire. Many baby boomers are switching to safe alternatives. Younger people are using these alternatives that I will outline to ensure their future dollars.

There are several safe money avenues that a person can invest or put their money in that can mitigate principal loss and interest loss. There are also products that can provide a tax free retirement income that you can never out live. Each of these products I will discuss will not jeopardize your principal investment.

Please keep an open mind when I tell you about these products. Remember, our world has changed and some of the products I will mentioned you may have already heard about. Many of the products have been revamped and they are not like the products that were offered to your grand parent, parents or even you several years ago.

The First product I would like to tell you about is the Index Universal Life (IUL). Yes, it is life insurance!

Index Universal Life insurance, is a life product that offers a death benefits plus the opportunity to build long term cash accumulation. The difference between an Index Universal Life and other permanent life insurance products is the way the interest is credited. Additionally, it offers the ability to earn interest that is linked to the movement of select stock market indexes; with none of the losses to your principal investment and your interest becomes your principal. Plus the contributions are tax favored, interests are tax favored, accumulations are tax favored, withdrawals are tax favored and transfers are tax favored.

The second product is Annuities, If you looked at them in the past and said it was not for you; it time to take a second look.

Annuities are long term investments created to guarantee income in retirement. Annuities accumulates on a tax deferred basis and is placed in selected professionally managed portfolios. Annuities have new living benefits, a wider selection of investment strategies and have more favorable tax treatments.

The third product is Market Linked Certificates of Deposit.(MLCD) Great news these CD's are backed by the FDIC.

Market linked Certificates of deposits are like traditional CDs but don't have a fixed interest rate. The returns are usually linked to indexes like the Dow Jones Industrial Average they can also be linked to link to commodity prices, currencies, and even benchmarks like the Consumer Price Index (CPI) Market linked Certificates of deposits are insured and they are compared to the jumbo CDs that the banks offer. Taxes must be paid on the interest earned

The products I have outlined above should be given some consideration and investigation, to see if they can be added to your portfolio. With all of the economic turmoil in the markets, the country and around the world, it's more important than ever to keep your wealth safe and secure...but also growing. it makes sense to diversify your investment portfolio to protect your future and your money.




Glenda Arrindell owns an insurance agency in the beautiful City of Orlando, Fl. She has been licensed for over a decade years and her company NB Solutions Group http://www.nbsolutionsgroup.com, specialize in showing clients how to use insurance as a financial tool and retirement supplement. By properly structuring Equity Indexed Universal Life Insurance policies (EIUL) in accordance to specific IRS guidelines to maximizing desired tax benefits. A properly structured EIUL allows the owner to accumulate money tax free, withdraw money tax free, and to transfer money to heirs' tax free. Glenda works FOR YOU with the specialty EIUL training, years of experience, and access to the most advanced financial calculators necessary to build the right plan, the right way for you.

Our other programs includes: Permanent Life Insurance, Term Life Insurance, Disability Insurance, supplemental insurance, Employee Purchase Programs, Voluntary Benefits, Medical Plans.

Glenda is a speaker, author and an advocate for volunteerism in her community. Originally, Glenda Arrindell is from the tropical paradise of the United Sates Virgin Islands. She has resided in Florida for 12 years.





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