Secure Retirement Funds

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» Posted by on Jul 20, 2011 in Retirement Planning | Comments Off on Secure Retirement Funds

In the last 75 years, the S&P 500 grew 10.37 % (Compound Annual Growth Rate), or 6.37% adjusted for inflation.

In the last 10 years, the S&P 500 grew 1.31 % (Compound Annual Growth Rate), or -1% adjusted for inflation.

Insuring the Money We will Need Soon

We might want to find a way to insure the money we’ll need in a shorter time-frame from loss and if possible, still enjoy growth when the market grows.

During the last 10 years, when the S&P 500 grew 1.31%, many Insured Retirement Investments are back tested to yield over 5%.

So, we see that the S&P 500 averages over 10% growth over the long haul. That looks good, when compared to the recent trends. However, we might want to consider insured investment opportunities for some of our money that, while not yielding the very long range potential of over 10%, will insure our principal against loss, while yielding nearly 4 times what the Market yielded in the last 10 years.

That way, the funds we won’t need soon can grow substantially while in higher growth, higher risk investments, and the money we will need soon can be insured in investments that are insured and substantially outpace inflation. I believe one should be wary of an adviser who says you to totally avoid securities, or who tells you to totally avoid insured investments, such as annuities. That would be like a rancher saying you should only eat meat, or a farmer saying you should only eat produce. A wise adviser understands that there’s a time and place for both.

(The Wade Agency will perform a calculated projection of how your current retirement plans are likely to play out under the best and the worst of circumstances. There is no charge for this service and the projection can be run again anytime your circumstances change. Just contact us to set up an appointment).

 

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