What If You Absolutely Positively Could Not Lose - Would You Play the Stock Market?

Seniors on fixed incomes face a unique problem. Where do they invest their savings to get maximum return on investment with limited risk? Some of the traditional places like CDs and Treasury Notes are extremely safe, however the yields tend to be very low. Stocks and Mutual Funds while offering a potential for a higher yield have a risk factor that most seniors find unacceptable.

What if you knew you absolutely positively could not loose, Would you invest in the stock market? Imagine if their was a way that you could enjoy the upside potential of the stock market with absolutely no downside Risk, would you be Interested?

Equity Indexed Annuities may be the Solution you are looking for. Many insurance companies are now offering Equity Indexed Annuities. These annuities allow you to mirror the gains of popular stock market indices like the S&P 500 or the Dow Jones Industrial Average while not loosing any of your investment capital.

In simple terms if the stock market goes up your Annuity also goes up but if the stock market goes down your Annuity does not loose any value. An Equity Indexed Annuity is not an Investment in stocks or Mutual funds instead it is a way the Insurance allow your Investments to mirror the gains of the stock market with no downside risk.

Many Popular Equity Indexed Annuities are set up using a monthly tracking Method. Once a Month the insurance company will look at the stock market index to determine the gain or loss. If the index goes up 2% then they put a plus 2 on your scorecard. If the index goes down 4% then they put a -4 on your score card. At the end of the year the Insurance company totals your scorecard for the year if it is positive (say 8%) they would then add 8% to your annuity value however if it is negative your annuity value would stay the same. If you started the year with an annuity value of $10,000 your annuity would still be worth $10,000. It doesn't matter if your score card has a Negative 1%, 10% or 99% you will not loose one cent of your $10,000 starting value.

Every year your Annuity Value is reset, Using the above example if you Annuity started the year with a $10,000 Value and your score card shows a plus 8% for the year your Annuity would know be Reset to $10,800 and the process starts again. To sweeten the Pot even further many insurance companies are offering Bonus Equity Indexed Annuities, these vehicles work exactly the same as Equity Indexed Annuities but the insurance companies will add a Bonus of up to 10% to your Annuity. If you place $10,000 to start in your annuity with a 10% Bonus Annuity the insurance account would now add $1,000 making your Bonus Equity Indexed Annuity now worth $11,000. In addition you could receive this 10% bonus for any funds you add in the first 5 years.

With Equity Indexed Annuities from popular insurance companies You can have it all. A way to earn some huge Gains from the Stock market while being totally insulated from any downside risk and a Bonus of up to 10% of all money added in the first 5 Years.

Mike Makler is a Licensed Life Insurance Agent Based out of St Louis Missouri. To Learn More Call Mike at 314 398-5547 or Visit Mike's Web Page http://ewguru.com/insurance

Copyright © 2005-2006 Mike Makler

---

Reading Between The Lines In Annual Proxy Statements

Upper Saddle River, N.J. - May 11, 2005 - Now... Read More

Shareholders Meeting Changing With Times

A significant number of corporations that settled accounts in the... Read More

How Do I Start Investing Online and What Are Some Basic Tips?

If you are new to investing online, don't put your... Read More

The Real Cost of a Bad Habit

What is the value of a good habit? Think of... Read More

High Volatility Investments

Penny stocks and options are high volatility investments that attract... Read More

Asset Allocation: Critical to Your Investment Success

Asset allocation is a critical component of investing success. Both... Read More

Find Your Investing Soulmate on the Jersey Turnpike

As a followup to a previous column, "Irreconcilable Differences," I... Read More

Creating Momentum with Options - Pro and Cons of At-the-money, In-the-money, and Out-of-the-money

To create momentum in your options trading you need to... Read More

Chinas Great Missed Opportunity

While a U.S. Representative to the Asian Development Bank Executive... Read More

Why You Need To Buy and Sell Gold Coins (Part 3)

Putting Rare Coin Market Cycles to Work for You...Until recently... Read More

Effective Advice For A New Generation of Investors

CATCHING A FALLING KNIFEOne of the most common mistakes made... Read More

Part II of Day Traders and Swing Traders and Options? Maybe!

Before every protective put trade it is possible to calculate... Read More

Investing for Retirement - Not an All or Nothing Play

In 1519, Hernando Cortes, beached on the shores of unexplored... Read More

June 2005: Weather Forecasts for Weather Traders

If Johannes Kepler, the renowned 17th century astronomer and discoverer... Read More

Bankers in Denial

Denial is a ubiquitous psychological defense mechanism. It involves the... Read More

Do You Need A Financial Planner?

No matter how much money you make, it pays to... Read More

Volatile Oil

The Light Crude Continuous Contract fell from $67.70 a barrel... Read More

The Past Does Not Equal The Future: Mutual Fund Returns!

A way that investors get ripped off and in a... Read More

Discover the Foundation of Retiring Wealthy - The IRA!

Let me tell you about some legal ways to avoid... Read More

The High Price of Oil

In less than four years, the price of oil has... Read More

Making Your Investment Dollars Work for You

Investments are scary for some people, especially those who have... Read More

Issuing Warrants to Investors

When raising capital for a business venture, warrants are a... Read More

Success Trading: Yet More Basic Terminology for New Traders

In this day and age of online brokers for virtually... Read More

Why the Rich Keep Getting Richer

Rich people: fortunate, lucky, selfish, and arrogant? Or highly educated,... Read More

Porters Five Forces Analysis

If you've ever listened to Warren Buffett talk about investing,... Read More