Reasonable Rate of Return**
Find out how to achieve a balanced approach to growth and security, ensuring a steady income throughout your retirement.
What is a Reasonable Rate of Return** In Retirement?
Mundt and Associates strives to educate clients on all their potential retirement income options. In this way, you have the information to make the right choice for yourself and your personal needs. What is a reasonable rate of return?** Inflation is an important vantage point to consider when thinking about this. The objective is for your money to grow faster than the rate of inflation, in order to ensure you can have the same standard of living throughout your retirement. We also think you should be able to rest easy knowing that your money is safe. Some options out there can safeguard your principal while helping you earn a reasonable rate of return** over time. Reach out to us to learn more.
What is a Reasonable Rate of Return**
Taking a cautious, “safety first” approach to retirement is the best idea, but you’ll find that many of the available options are unsatisfactory. For example, traditional savings accounts and CDs offer safety, but have historically disappointing interest rates. However, it’d be unwise to keep all of your money in the market; at least some of your money should probably be kept in “safe money” accounts. So, are there any options that offer safety,* but also a higher rate of return** over time? Thankfully, yes. Which brings us to…
Fixed Indexed Annuities For Retirement
An annuity, in simple terms, is a contract between an individual (you) and an insurance provider. One type of annuity is a fixed indexed annuity, or FIA. While an FIA does not invest your money in the market (like a variable annuity), it does offer growth based on the performance of an index (such as the S&P 500). What this means is, if the index rises, you will receive indexed interest at a reasonable rate,** but if the index falls, you will not suffer losses.* Something important to note, however, is that interest rates are determined differently for different FIA contracts. Reach out to us to learn more.
Reach Out to Us
We try to give our clients all the information they need to make wise decisions for their retirement. In addition to earning a reasonable rate of return**, we want retirees to feel secure about their overall retirement strategy. Get in touch with us to find out how you could achieve this. Come to an informational dinner seminar, where we’ll go over the different aspects that affect your retirement and potential solutions. Alternatively, schedule a one-on-one meeting with us to review your own personal financial circumstances, needs, and retirement objectives. We can help you find the best way to earn a reasonable rate of return** in retirement.
