Immediate Income Annuity Strategy - Part 1
Are you Age 64 and Planning to Retire in 1 Year? (Can use at any age 1 Year in advance of retirement)
Are you of the opinion that interest rates will go lower and/or stay in this area over the next year and stay low for several years to come?
Then Study this Fantastic Strategy to LOCK IN / maximize your Guaranteed Monthly Income with a One Year payment start date and continue for Life, the Joint Lives of you and your spouse or a Certain Period of Time.
Case FACTS: Age 64 and have a strong need for Monthly Income Starting in Exactly 1 Year at Age 65. Have a Substantial Portfolio in addition to 401K / IRA type pension plans. On your mind is this question... What action can I take now to maximize my Monthly Income for retirement.
Payouts updated as of 7/31/2011:
$1,000,000 exchanged TODAY for one of the Following Guaranteed Monthly Income Streams which are actually Monthly Cash Flows beginning in One Year:
Note: CFR = Cash Flow Rate
Note: Purchase date Today with 1st payment delayed 1 Year.
Note: 1st Dollar amount on the Left side is the Monthly Payment,
2nd is the Sum of 12 monthly payments and
3rd (if any) is the Sum of all payments you will receive over the Specified Period.
MALE Age 64:
$6,742.91 - Life ONLY - $80,914.92 over 12 mos - 61.80% Tax Free - CFR 8.092%
$6,183.49 - Life with 15 Years - $74,201.88 over 12 mos - 59.30% Tax Free - CFR 7.420%
$5,848.41 - Life with 20 Years - $70,180.92 over 12 mos - 58.40% Tax Free - CFR 7.018%
$5,498.70 - Life with 25 Years - $65,984.40 over 12 mos - 56.10% Tax Free - CFR 6.598%
$6,298.85 - Life with Installment Refund - $75,586.20 over 12 mos - 60.30% Tax Free - CFR 7.559%
Male 64 / Female 63:
$5,445.12 - Joint & Survivor Life - $65,341.44 over 12 mos - 60.00% Tax Free - CFR 6.534%
$5,396.52 - Joint & Survivor Life with 20 Years - $64,758.24 over 12 mos - 57.50% Tax Free - CFR 6.476%
FEMALE Age 64:
$6,223.41 - Life ONLY - $74,680.92 over 12 mos - 67.00% Tax Free - CFR 7.468%
$5,925.93 - Life with 15 Years - $71,111.16 over 12 mos - 61.90% Tax Free - CFR 7.111%
$5,688.23 - Life with 20 Years - $68,258.76 over 12 mos - 60.10% Tax Free - CFR 6.826%
$5,431.79 - Life with 25 Years - $65,181.48 over 12 mos - 56.80% Tax Free - CFR 6.518%
$5,966.04 - Life with Installment Refund - $71,592.48 over 12 mos - 62.90% Tax Free - CFR 7.159%
Female 64 / Male 63:
$5,445.12 - Joint & Survivor Life - $65,341.44 over 12 mos - 60.00% Tax Free- CFR 6.534%
$5,396.52 - Joint & Survivor Life with 20 Years - $64,758.24 over 12 mos - 57.50% Tax Free - CFR 6.476%
Period Certain Immediate Income Annuities (No Life): (1st Payment Delayed 1 Year)
EIR = Effective Interest Rate Earned during Payout Period (also called IRR - internal rate of return)
Period Certain for 13 Years - Payments 77.40% Tax Free:
$8,277.81 per mo - $99,333.72 over 12 mos - $1,291,338.36 over 13 Yrs - EIR 4.0949%
Period Certain for 15 Years - Payments 73.20% Tax Free:
$7,592.36 per mo - $91,108.32 over 12 mos - $1,366,624.80 over 15 Yrs - EIR 4.3871%
Period Certain for 18 Years - Payments 68.70% Tax Free:
$6,740.92 per mo - $80,891.04 over 12 mos - $1,456,038.72 over 18 Yrs - EIR 4.4577%
Period Certain for 20 Years - Payments 65.80% Tax Free:
$6,336.60 per mo - $76,039.20 over 12 mos - $1,520,784.00 over 20 Yrs - EIR 4.51872%
Period Certain for 23 Years - Payments 61.80% Tax Free:
$5,866.81 per mo - $70,401.72 over 12 mos - $1,619,239.56 over 23 Yrs - EIR 4.57996%
Period Certain for 25 Years - Payments 59.10% Tax Free:
$5,636.05 per mo - $67,632.60 over 12 mos - $1,690,815.00 over 25 Yrs - EIR 4.63643%
Period Certain for 28 Years - Payments 55.60% Tax Free:
$5,353.16 per mo - $64,237.92 over 12 mos - $1,798,661.76 over 28 Yrs - EIR 4.69316%
Period Certain for 30 Years - Payments 53.30% Tax Free:
$5,214.82 per mo - $62,577.84 over 12 mos - $1,877,335.20 over 30Yrs - EIR 4.74725%
For small or Larger amounts divide or multiply these amounts. Example: for a $500,000 amount divide these payouts by 2 and for a $250,000 amount divide these payouts by 4, etc. etc.. This one year delay strategy can be used for any age where you want monthly income to begin exactly 1 year from today.
Note: Amounts lower than above in CA, ME, NV, SD, WV & WY ONLY for Non-Qualified money and in CA & WV for Qualified money due to premium taxes charged in your States. Your State imposed this Tax.
These Payouts & Effective Interest Rates were generated on 7/31/2011 and may or may not be the highest currently available.
Are you 10, 15 or 18 years from Retirement? Do you want to Buy your monthly payments Today at a Discount? You will have to complete one of our Request Forms and call the Expert to learn how that can be accomplished. Yes... It can be safely accomplished with No Speculation and No Guesswork!
In order to receive Immediate Income Annuity Quotes Designed for your personal situation please complete this request form: (Click Here)
Immediate Annuities or Immediate Income Annuities as they are more appropriately called provide safety, predictability, an attractive rate of interest and Cash Flows during Retirement that can't be safely matched by other assets or investments of like dollar amounts you may allocate into.
Immediate Income Annuities are all about Guaranteed Fixed Spendable Monthly Cash Flows that you receive each month for life or for a set period of time. When you're in Retirement these Cash Flows are what's important to you. Nothing else comes close in importance.
Having a Guaranteed Monthly Income Stream as part of your Portfolio improves the performance of your Entire Retirement Portfolio. How? It allows you to focus on investing long-term for maximum compounded return without having to worry about your monthly spendable funds or cash flows.
Safety, Simplicity and No Fees: You know up front how much of a Lump-sum you need to exchange for the Monthly Payment you receive. Nothing else is charged to you nothing is deducted from your payments. It is what it is!
If you really want to get a complete understanding of Immediate Income Annuities and other Fixed Rate & Index Annuities read this website.
In order to receive Immediate Income Annuity Quotes Designed for your personal situation please complete this request form: (Click Here)
Part 2: Delayed to maybe next week or the week after.
Future Income Planning Strategy:
Are you 10, 15 or 18 years from Retirement? Do you want to Buy your monthly payments Today at a Discount? You will have to complete one of our Request Forms and call the Expert to learn how that can be accomplished. Yes... It can be safely accomplished with No Speculation and No Guesswork!
We NOW have vehicles available where you can Pre-Plan your Future Monthly Income or monthly cash flows 7, 10, 15... 18 Years in advance and the exact monthly amounts are Guaranteed. So you know up-front (Before you Buy) what that monthly income cash flows will be. You will have to retain one of the Specialists we introduce you to learn all about this and receive details.
Come back to this page often as we will be posting some basic examples soon... so that you can see how the numbers would work. No specific details will be made public only the numbers will be posted as a starting point.
