03/03/2025
“RISK” IS ON MY MIND TODAY:
FOR EXAMPLE: $100,000
YOUR RISK TOLERANCE
(The Stock markets ). It is true you can make some large gains in the stock market(s) for example, 25% in one year, but it is also true you can lose 25% or more in one year.
For this example - Two possibility, you could end the year at $125,000 PLUS or at $75,000 or LESS!
VS.
YOUR RISK AVOIDANCE
(MYGA - Fix Rate of Interest)
If you’re tired of losing anything, you may want to look at a “multi year guaranteed annuity”(MYGA) with a fixed rate of interest. You can set this up to lock in a great RATE OF INTEREST anywhere from 2-10 years.
So let’s say today you lock in a rate of 5%. You would end the year at $105,000. It is true if you invested this money in stocks, you could potentially make more, but there is no guarantee. YOU COULD ALSO LOSE MORE! This fixed rate interest is guarantee. Also, if the stock market goes below the baseline, you never lose your principal with a MYGA fixed rate. You will continue to earn the fixed rate, depending on the timeline that you picked. 
Since the beginning of the Joe Biden administration, interest rates have not been this high since the 1970’s. If our economy begins to improve, you may not see these type of interest rates in your lifetime again. Also, you probably have not seen it in the news but go look it up on Google, billions $$$$ of dollars have been moving into MYGA over the last 4 years .
Also, I am not saying to put all of your retirement dollars into an annuity with the multi year guaranteed interest rate, but you could put some to hedge your investment strategy.
Please let me know if anyone has any questions. Have a great evening.

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