• George Fotiou

What’s the First Rule of Investing?

If you said “buy low, sell high,” you’d be correct. One major problem that often plagues our human condition is unrelenting optimism; even when the markets are at record-breaking highs, we continue to believe they’ll go even higher.

This is where most investors fail, by not taking advantage of the growth their assets have realized. Global markets are currently flirting with breaking all-time highs, and with that, smart and savvy investors know to lock-in at least some of their gains before it’s too late.

One of the main tools we use for these accounts at Olympic Golden Retirements is an annuity. Fixed annuities give clients a guaranteed rate of return for a certain period, (usually 3-5 years). Indexed annuities forgo the guaranteed rate for a shot at higher growth potential by following a market index. The funds inside the index annuity are never directly invested in stocks, bonds, or mutual funds and therefore have no potential for loss, even if the market should fall. Just like having a 401(k), a TSP, or an IRA, these annuities are tax-deferred, but without any of the same risk to principal. Every year or so, the gains from the index are tallied and added to the previous year’s balance, “locking” them in against future loss.

If you’d like to capture the growth your risk-based accounts have achieved while allowing future growth without loss or fees, contact us to request a complimentary review and together we can assess whether an annuity is a good fit for your portfolio.

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©2021 by Olympic Golden Retirements

This information is designed to provide general information on the subjects covered.  Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement.  Please note that Olympic Golden Retirements LLC and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer.  Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company and are not offered by Olympic Golden Retirements.