Sleep Well at Night Again With a 6.45% Annuity
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| By David Phillips |
Nearly 30 years ago, our firm Estate Planning Specialists introduced one of the most popular annuity programs we have ever offered.
We called it the Sleep Well At Night Annuity. Or, simply, the SWAN.
The idea was simple:
Put a portion of your retirement savings somewhere safe, earn an attractive guaranteed rate, and stop worrying about what the stock market was doing every day.
Back then, we were offering a guaranteed rate of 6%, and our readers loved it. But as interest rates declined over the following decades, opportunities like that became increasingly difficult to find.
Well, we have some good news.
The SWAN is back, and today's opportunity is even more attractive than the original.
Right now, you can earn a guaranteed interest rate of 6.45% with a fixed annuity known as a Multi-Year Guaranteed Annuity, or MYGA.
No stock market roller coaster or wondering what your account will be worth tomorrow …
Just an attractive guaranteed interest rate designed to help you do exactly what the original SWAN promised:
Sleep Well At Night.
Why 6.45% Deserves Your Attention
To appreciate this opportunity, consider what investors have experienced over the past 26 years.
Since the beginning of 2000, the S&P 500 Index has experienced the dot-com crash, the Great Financial Crisis, a global pandemic, and several bear markets.
Over that period, its annualized price appreciation has been approximately 6.4%, excluding dividends.
Of course, stocks offer growth potential and dividends that a fixed annuity does not.
I'm certainly not suggesting you replace your entire stock portfolio with an annuity.
But for the portion of your retirement savings where safety, predictability and guarantees matter most, a guaranteed 6.45% deserves serious consideration.
And remember, with a fixed annuity, your interest rate is guaranteed by the issuing insurance company for the applicable guarantee period.
That’s regardless of what happens in the stock market.
What 6.45% Could Do for Your Savings
Sometimes the easiest way to appreciate an attractive rate is to look at the numbers.
Consider a $100,000 deposit earning 6.45% annually, with the interest left to compound:
At that rate, $100,000 could grow to $186,834 over 10 years.
Illustration assumes a constant 6.45% annual interest rate, annual compounding, no withdrawals, and no taxes. Actual results depend on the guaranteed rate period you select.
Attractive Guarantees with Access to Your Money
One of the biggest concerns people have about annuities is access to their money.
That's another reason we like this particular SWAN opportunity.
In addition to the 6.45% guaranteed interest rate, the annuity offers several valuable features:
- Up to 10% annual liquidity: The contract allows annual withdrawals of up to 10% without early liquidity charges.
- Guaranteed interest: Your rate is locked in for the guarantee period you select, regardless of stock market performance.
- No early liquidity charges at death: If you pass away during the liquidity period, those charges are waived, allowing the full account value to pass to your beneficiaries.
Safety. Access. Guarantees.
That's exactly what made the original SWAN popular nearly three decades ago.
Is It Time to SWAN Again?
We have been in this business long enough to recognize that opportunities like this don't come around very often.
And with interest rates constantly changing, there's no guarantee that today's 6.45% offer will remain available.
If you have money sitting in CDs, money market accounts, or other lower yielding investments — or simply want to protect a portion of your retirement savings from stock market volatility — we believe this opportunity is worth a closer look.
The Estate Planning Specialists team put together a FREE SWAN Information & Application Kit that provides the details, including the name of the A.M. Best “A” rated insurance company behind the SWAN, current interest rate, available guarantee periods, withdrawal provisions, and other important information.
You can request your complimentary kit or schedule a personal appointment with me to discuss whether the SWAN might be a good fit for your retirement strategy.
Click here to schedule an appointment or visit epmez.com/swan to request your FREE SWAN Kit.
Rates can change at any time. So, if a guaranteed 6.45% sounds attractive, we encourage you to take a look while this opportunity is available.
After nearly 30 years, it's nice to be able to say it again:
The SWAN is back. Maybe it's time to Sleep Well At Night again.
Live Well, Leave a Legacy!
David Phillips
CEO, Estate Planning Specialists
480-899-1102
