| CASH | MONEY MARKET | CDs | IMMEDIATE ANNUITIES | FIXED ANNUITIES | FIXED INDEXED ANNUITIES | VARIABLE ANNTUITIES | MUTUAL FUNDS | STOCKS & BONDS | OTHER & ALT INVESTMENTS |
Principal & Growth Protection | G | G | G | G | G | G | R | R | R | R |
Insured* | G | G | G | G | G | G | R | R | R | R |
Market Protection | G | G | G | G | G | G | R | R | R | R |
Liquidity (Accessibility) | Y | Y | Can be limited | Can be limited | Can be limited | Can be limited | Can be limited | Y | Y | Can be limited |
Lifetime Income Rider | R | R | R | G | G | G | G | R | R | R |
LTC Rider | R | R | R | Some | G | G | G | R | R | R |
PROS
| Always Available | Always Available | Guaranteed Interest Rate | Guaranteed Income for Life | Guaranteed Interest Rate; Usually higher than CDs
| Participation in Market Growth without the Risk | Uses Mutual Funds to | High Upside Potential | High Upside Potential | High Upside Potential
|
CONS
| No interest, Never grows | Minimal Interest | Low Growth | Loss of Control of Your Money | Low Growth rate; Surrender Schedule | Surrender Schedule | Very High Fees, Market Risk, Surrender Schedule | Large Downside Risk | Large Downside Risk | Large Downside Risk |
*Check with the Bank or the State Insurance Guaranty Fund for Rates
TITLE OF THE CHART TO BE PUT ON THE TOP:
There are two categories of investments: Risk Money and Safe Money. You need to decide where to put your money and what your retirement goals are. This chart can assist you in making the challenging decisions that you face.
22722 29th Drive Southeast,
West Suite 100,
Bothell, WA 98021
(206) 605-5092