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Welcome to Florida... Where “Retirement” brings on a whole new meaning!


Investments for your Retirement

Fixed Annuities:

A fixed annuity can help reduce your tax liability, by allowing your assets to grow through the deferment of those taxes. You can get a fixed annuity through an insurance company. A fixed annuity is great for those people that haven't quite reached retirement. A fixed annuity can help supply a steady source of guaranteed income that is issued for one or more people. The amount of the disbursement is also specified, along with the term which can be a for a certain time or for life.

There are two kinds of available annuities:

  • Fixed Deferred Annuity: may be purchased in one payment (single premium), or in a group of scheduled payments. Each one of the individual payments can earn a interest rate that is guaranteed for a certain amount of time (can be 1,3,5 or 6 years)
  • Immediate Fixed Annuity: is usually bought around or close to a persons retirement. The immediate fixed annuity is bought in one large payment. This payment is then submitted into a group of scheduled payments made to you either annually, semi-annually, quarterly, or monthly. These annuity payments are calculated through a fixed interest rate.

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Variable Annuities:

A variable annuity is when you and an insurance company enter into a binding contract, in which the insurance company will be under contract to make scheduled payments to you. The payments will be made by the insurance company to you at a specified date in the future or immediately.

The benefits to purchasing a variable annuity include:

  • Guaranteed Payments
  • Guaranteed Death Benefits
  • Tax Deferral

To make things even more attractive, a variable annuity that is deferred can give you the option to collect payments that are guaranteed for life! With this option you can collect annuity payments long after retirement.

Mutual Funds:

A mutual fund is an investment that can give you piece of mind. Each mutual fund should be managed through a professional. Mutual Funds are usually attractive because of the fact that they offer three things:

  • Convenience
  • Liquidity
  • and Diversity

Mutual Funds are made to reach certain financial goals through investment. As in all investments these goals can be reached through a diversity of different plans. In the case of mutual funds, the plans fall into three different categories:

  • Money Market Funds (Hold Cash Investments)
  • Income (Invest in Bonds)
  • and Equity (Invest in stocks)

Mutual Funds are risk free, and they are guaranteed by the Federal Deposit Insurance Corporation. The reason that Mutual Funds are so popular is because of their diversity. Even if one of the investments is doing poorly, the others can counteract the poor investment by doing excessively well.

Mutual Funds give you the chance to invest your money in a abundance of different areas of the market. Not only can you select to invest in funds associated with financial services, health care, or technology.. but you can also make your investments in such things as bonds and foreign stocks. If that isn't enough to set your mind at ease, then you should feel comforted by the fact that Mutual Funds, for the most part, will let you sell your shares whenever you feel the need, but at the current value stated by the market.