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There’s no such thing as a perfect investment but if there were it would look a little like this.
  
It would be extremely safe and secure with very little chance of losing any of your principal.  There would be Govt Guarantees to insure that your money would be returned. Remember in today’s investment environment the return OF your money is as important if not more than the return ON your money.
 

How you view this recent economic fallout has more to do with age than people suspect. My younger clients, even those dealing with job losses and high mortgage and tuition payments, have confidence in a market rebound. Though they are distressed about the big dent in their portfolios, time is on their side. It is my older, retired clients, who are struggling, not just because they may live on fixed incomes or fear outliving their money. This generation has ridden one of the longest financial waves in our country’s  

There’s nothing more disturbing than to see an individual using an inappropriate Life Insurance product for their needs.  For example if one wants to have maximum protection with the lowest cost possible, for a specific time period say 5-30 years ending by age 80) you should only consider Term Insurance.  An example of where this is appropriate involves the breadwinner of a young family desiring to provide maximum coverage so that his Family can continue their lifestyle in the manner they were accustomed to even if the breadwinner were no longer here to provide for their monthly living expenses and college costs.

If on the other hand you want your insurance to last beyond age 80, for example to create an inheritance for your kids or grandkids, or to be used to pay for your estate tax if you are not married, then and only  

Despite the fact that well over 30 billion dollars has been diverted from the market, over the first 23 days of October did that really make the investors that moved their money feel any better about their portfolios? More importantly was it the right thing to do?

A fixed annuity is an accumulation planning vehicle that allows an individual to accumulate money they’re not going to need for at least 5-7 years. One of the benefits of this type of vehicle is that it offers a return significantly larger than usually offered in a bank CD or money market fund.  In addition it allows the money to accumulate on a tax deferred basis. In addition It is GUARANTEED by the Life Insurance company that issues the contract.  Even in this day and age  of Bailouts and failed financial institutions that GUARANTEE is extremely meaningful as not one investor has ever lost a nickel in a failed Life Insurance contract.

In today’s volatile investment climate, which you may have noticed, an Immediate annuity may be an excellent investment vehicle for the individual who wants to assume absolutely no market risk yet be provided with a guaranteed income for the rest of their lives. With the assurance that it will be significantly higher than what could be earned in a CD. I suppose a favorable tax treatment wouldn’t hurt either right?