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Can you use a crystal ball to look forward?

Ever wonder how different your life might be if you had made the suitable investment at the right time? How many cars would you own?  No college loans for your children. Retirement would be those wonderful “golden” years.

What if you knew in advance when the stock market was going to drop, and you had time to move your money from risk to safety? Your money could only increase and never be exposed to losses. What if you had a mechanism that would do that for you automatically? Would you feel more confident about your future financial health?

Think of your money like a safe; when the stock market drops, your funds jump into the same; when the stock market increases, your funds are in play. Your crystal ball would always know what was happening before it happened.

That would be pretty darn amazing, wouldn’t you say?

The “crystal” ball is available to you right now; a product exists that will keep your funds in the “safe” when the market drops, so you are never exposed to risk.  When the demand increases, you earn part of the gain.

Now that is genuinely amazing, wouldn’t you agree?  The product does exist and is owned by millions of people already.  The product is so popular that last year it grew in several owners by over 100%. More than $300 billion in funds are trusted nationally by people looking for safety and security.

The name of this truly unique product? Fixed indexed annuities (FIA). Sound too good to be true?

Many people have asked that question, and the truth is that you have no exposure to risk, you can never go backward, and your funds are guaranteed. The tradeoff is simple, partial market gains that can never be reduced or taken away against absolutely no exposure to risk or loss. The offset is simple if the market goes up, you do not receive 100% of the gain; you receive a percentage of that gain.

That is a deal millions of Americans have taken, and millions have based their significant retirement money on.  Consider income from fixed indexed annuities as part of your guaranteed funds, funds that can never be outlived, funds in the same category of Social Security Income, and your company pension.

Your crystal ball? It is already here; investigate these interesting products and see if they make sense for you.

Brad Rhodes is a member of Syndicated Columnists.  He lives in Lexington.