Retirement Trax™

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Retirement Trax™ R etirem ent D epot

description

Retirement Trax™. Introduction. History What Investors Want Immediate Gratification Sleep at Night Keep up with the Jones’. Old pattern resurfacing. 1929 (50 years) 70,71,72 What took 50 yea rs 00,01,02 has now occurred - PowerPoint PPT Presentation

Transcript of Retirement Trax™

Page 1: Retirement Trax™

RetirementTrax™

Retirement Depot™

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HistoryWhat Investors Want

Immediate GratificationSleep at NightKeep up with the Jones’

INTRODUCTION

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OLD PATTERN RESURFACING

1929

(50 years)

70,71,72 What took 50 yea rs00,01,02 has now occurred

08,09 three ti mes in 38 yrs.

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$50k SPIAYear 1 $6,500Year 2 $6,500Year 3 $6,500Year 4 $6,500Year 5 $6,500Year 6 $6,500Year 7 $6,500Year 8 $6,500Year 9 $6,500Year 10$6,500Tota l $65,000

$50k Variable AnnuityStart yr. 1 $50,000 Star t yr. 2 $53,600 Star t yr. 3 $57,459 Star t yr. 4 $61,596 Star t yr. 5 $66,031 Star t yr. 6 $70,785 Star t yr. 7 $75,882 Star t yr. 8 $81,345 Star t yr. 9 $87,202 Star t yr. 10 $93,481End Value $100,211

Repeat Process

AN OLD IDEA

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Loss of ControlClock on IncomeMaybe VA won’t Double

OLD IDEA PROBLEMS

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Fixed Indexed Annuity Avg . r e t u r n 5 % $ 1 0 0 , 0 0 0 d e p o s i t A n n . w / d ’s ( - 1 0 % ) + 1 0 % b o n u s A n n . N e t % ( - 5 % ) $ 1 1 0 , 0 0 0

Yr. 1 ( b e fo r e w / d ) $ 1 1 5 , 5 0 0 Yr. 2 ( b e fo r e w / d ) $ 1 0 9 , 1 4 7 Yr. 3 ( b e fo r e w / d ) $ 1 0 3 , 1 4 5 Yr. 4 ( b e fo r e w / d ) $ 9 7 , 4 7 2 Yr. 5 ( b e fo r e w / d ) $ 9 2 , 1 1 2 Yr. 6 ( b e fo r e w / d ) $ 8 7 , 0 4 6 Yr. 7 ( b e fo r e w / d ) $ 8 2 , 2 5 9 Yr. 8 ( b e fo r e w / d ) $ 7 7 , 7 3 5 Yr. 9 ( b e fo r e w / d ) $ 7 3 , 4 6 1 Yr. 1 0 ( b e fo r e w / d ) $ 6 9 , 4 2 0

N e a r l y 7 0 % o f o r i g i n a l d e p o s i t s ti l l g u a r a n t e e d * a ft e r t e n y e a r s .

* G u a r a n t e e s b a s e d o n c l a i m s p a y i n g a b i l i t y o f I n s u r a n c e c o m p a n y

Managed Account A v e ra g e Re t u r n n e t o f fe e s 8 %

E n d o f Ye a r 1 $ 1 1 , 5 5 0 E n d o f Ye a r 2 $ 1 0 , 9 1 4 E n d o f Ye a r 3 $ 1 0 , 3 1 4 E n d o f Ye a r 4 $ 9 , 7 4 7 E n d o f Ye a r 5 $ 9 , 2 1 1 E n d o f Ye a r 6 $ 8 , 7 0 4 E n d o f Ye a r 7 $ 8 , 2 2 5 E n d o f Ye a r 8 $ 7 , 7 7 3 E n d o f Ye a r 9 $ 7 , 3 4 6 E n d o f Ye a r 1 0 $ 6 , 9 4 2

$ 1 4 7 , 0 0 1 $ 6 9 , 4 2 0 + $ 1 4 7 , 0 0 1 = $ 2 1 6 , 4 2 1 - $ 1 0 0 , 0 0 0 G a i n o f : $ 1 1 6 , 4 2 1

11.6% Annual Return

SIMPLE PROCESS

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THE REAL WORLD

Fixed Index Annuity 2000 – 0% (w/out bonus) 2001 – 0% 2002 – 0% 2003 – 7.00% 2004 – 7.00% 2005 – 3.00% 2006 – 7.00% 2007 – 3.53% 2008 – 0% 2009 – 7.00%

3.45% = Avg. Ann.

F I A p e r fo rman c e n o t i n c l u s i ve o f S &P 500 d i v i den d s

S&P 500

2000 – ( -9.21%) 2001 – (-12.07%) 2002 – (-22.27%) 2003 – 27.82% 2004 – 10.23% 2005 – 4.34% 2006 – 15.02% 2007 – 4.94% 2008 – (-36.87%) 2009 – 26.04% Avg. Ann.= 0.79%

S&P 500 pe r fo rm ance i s i n c l u s i ve o f d i v i dends

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WORLD CLASS MANAGERS

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WHAT YOU MIGHT EXPECT

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Reduce FeesMaintain LiquidityReduce Volati lityCompete with or Beat the MarketSleep at NightImmediate Gratification

IN CLOSING

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Most Recent StatementFill out New ApplicationSign a Few Pages

WHAT’S NEXT?

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THANK YOU!