3 Reasons To Guarantee A Portion of Your Retirement Portfolio

(don’t forget to checkout the video of this blog too)

The biggest unknown in retirement planning is how long you will live⁉️

This is why running out of money in retirement is the biggest concern for retirees….

There’s no certainly in how long you truly need your retirement dollars to last.

There’s also this retirement phenomenon called the sequence-of-return risk, which essentially says that the timing of market volatility matters MUCH MORE than what your average returns (once you start taking income)!

That’s a why I believe a segment of your retirement portfolio should be market-proof…

…It should be completely unaffected by losses in the market.

And I think that segment of your wealth that should be protected from market losses should be your retirement income.

Here are 3 Reasons to use the powerful contractual guarantees offered by insurance companies to protect (and leverage) a portion of your retirement portfolio

✅ You completely eliminate the possibility of running out of money in retirement

That’s because you have income insurance!

You have transferred the market risk in retirement to an insurance company, putting them on the hook for providing you with retirement income for as long as you and your spouse live….

….regardless of what happens in the market.

✅ Your retirement income increases significantly (more than 50% in many cases)

Insurance companies are built to provide guaranteed income.

Because of how they manage finances, they can pay you a significant amount more lifetime income than you can safely and sustainably withdrawal from the market (often 50% or more + a guarantee that it will last for life).

By maximizing your income withdrawals you can dedicate less of your overall portfolio to retirement income.

This can often allow you to keep more money invested in the market for long-term growth (giving you a much higher likelihood of simultaneously growing your wealth in retirement with higher potential returns while maintaining a steady stream of guaranteed income).

✅ Contractual Guarantees allow for more liquidity, more market growth, and more tax-free wealth transfer

Not only does having your income guaranteed in retirement feel good…

It also helps you in many ways other ways.

You’re able to keep more money liquid, meaning available for the fun things you want to do in retirement.

It also allows you to be a better investor (meaning a much higher likelihood of higher returns in the market).

AND, having guaranteed income allows more of your money to be repositioned as a part of a tax-free wealth transfer for loved ones.

Let’s Chat 💬😎