Retirement Income Plan

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641 followers

What do you think the number one problem that most people think about before they retire? Well, this is the one I hear constantly. "I am scared to death I might outlive my retirement money". Then the next I hear is, "I guess I better keep working". This is where I come in a show them it does not have to be that way. First things first.

Back in 2001 again in 2008 & 2009, Investors lost big when market corrections hit their retirement portfolios. I saw millions lose millions and then tighten up their belt and go back to work. Literally, out of retirement and back to work. Why? They no longer had that cushion of retirement money to supplement their Social Security and/or their pension. When you lose 20, 30 or even 40% of your retirement savings very quickly, it can devastate you and your family. Think it won't happen again? We are already hearing another Bear is heading our way. Markets are way over valued and that always will lead back to a correction. Now what do I do?

This is why between 50-100 Billion dollars leaves the Market every year since 2009. Sure, there are those that stay and they are the ones that can afford to lose because they have Huge retirement accounts. The ones that don't, move most if not all of their retirement accounts into something that supplements their Income at 60, 70, 80 and even past 90, with money they can't outlive. I'd like that....

In walks the FIA (Fixed Indexed Annuity) with a guaranteed Income rider with money I can't outlive. There are hundreds of Companies with thousands of products that offer that exact necessity. Whether it is $50k or $250k you have to invest, this money can not only help you year after year with supplemental Income, but because it is in a FIA, their is No Risk of loss to your money.

I do suggest you speak with more than one professional on this matter and I don't mean a stock broker. I mean a qualified Advisor that acts as a Fiduciary to you and your needs. Don't forget, failing to plan is planning to fail.

DISCUSSION: The "Give and Take" Comment Drop Zone

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Recent Comments

5

Market corrections ... is that what you call the DotCom bust and and crooked bank lending practices and products that caused the Great Recession?

I agree ... the Great Recession recovery is showing definite signs of "Irrational Exuberance". The next bust is on it's way.


Great to read Dan and thank you

Paul

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Thank you, Dean, great advice :)

1

Thank you for sharing these updates about retirement.

1

You are so right

1

Hi there
Many thanks for this interesting post and thanks for the well documented facts and figures
It does'nt make good reading, unfortunately
I am 60 in the new year and its an issue that is always on the back of my mind
I am hoping and working towards a retirement plan here at WA, so that is my focus for now.
I believe strongly that this will supplement and maintain a comfortable income , once it gets started
Thanks for the great informative post
Cheers PB

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