jackson national perspective ii performance

So while it depletes the account faster, it also offers the guaranteed level of income that the client wanted. I cant really give you any specific advice until I can read through a contract because its really a matter of seeing if the numbers work. Please see the prospectus for important information regarding the annuitization of a contract. Jackson's fixed index annuities provide the powerful combination of protection, growth, and flexibility by linking assets to the performance of an index. Additionally, if she wishes to return the annuity and if she purchased this annuity within the last 10 days, there is typically a free look period that may allow her to exit the annuity without any surrender charges. So 3.15% total fees. The story that salespeople tell about these lifetime income riders is that they offer an investor a minimum income for life even if the investments take a dive. I am 71 and have no children (2 step-children). Most of the hypothical returns insurance companies give are limited to a specific time period. Thats what you see in the video. It is something we do for free here at Annuityedu.com. I finally got around to watching the Video and it helped a little to demistify this Lifeguard Freedom 6 DB. Jackson offers fixed annuities as a conservative option for growing your nest egg without exposing your assets to stock marketvolatility. The surrender charge is a separate expense from the annual fees associated with the account. My question is this: Which methodology would be the most beneficial way of getting out of the Annuity, if any? As is the case with many annuity products, the Jackson National Perspective II Variable Annuity with Lifeguard Freedom Flex comes with various options - or riders - that can be added to the contract in order to help the product better fit your needs. The Jackson National Perspective II variable annuity prospectus can provide you with all of the key details that you need regarding how the annuity works, how its returns are determined, the choice of income options that you have, and how you may be able to withdraw your funds from the annuity (either before or after the surrender charge period), From 1986 to 2021, the brand was part of the British Prudential PLC company. ?talk about an incomplete representation. I have read as much as I can about investment products to help fund my retirement but I am still at a loss as how to wisely invest my money to accomplish my two goals. Am I correct in thinking that at retirement age, there are no tax deferred options to roll the money into, and that capital gains taxes would make this idea prohibitive? If you look at the average scenario (the median result), most of these annuities with income riders have a tough time producing income that keeps up with inflation, just due to the way they are structured. This is a 100% S&P 500 allocation to help maximize the benefits of the income rider. If someone chooses to purchase a product after having all of the facts in front of them as to how their agent is being paid and how the product actually works, then there should be no confusion down the road and all parties will be happy. This annuity review article has been updated and a new video has been filmed and uploaded to YouTube to reflect changes Jackson National has made to this annuity. Therefore, when I am evaluating an annuity for the purpose of generating income in a portfolio, I do not not include life insurance. For more information about how we utilize cookies and vendors to deliver online advertising, please see our Website Privacy Practices. The first and third quarters holdings of each fiscal year are filed with the SEC on Form N-PORT. I want to do something where I can put the money (appx 300k) into something and then start payments at 62 so that is about 5 to 6 years of investing. If youre within 1-10 years of Retirement this type of Analysis is important and a must for anyone who is serious about retirement. That was informative. Does a 15 year accumulation change it at all? I must ask why you chose not to save a lot of time, and just have the company run a hypo for your project, USING REAL PORTFOLIOS or investments within the actual sub-accounts offered? Then you can see about positioning investments to reach the rate of return you need to live the lifestyle of your dreams! When John is 70 years old, lets say his income base would have increase increased to $645,000 and now want to begin taking income. The income benefit base is the amount that is guaranteed to grow at the greater of the guaranteed rate (in this case 7%) or the value of the subaccounts. All Rights Reserved 2023 |Privacy Policy, [You can send us your questions here via our Free Annuity Help contact form], Brighthouse Variable Annuity With FlexChoice Access Review, AXA Equitable Variable Annuity Retirement Cornertone Review, Perspective Advisory II with Lifeguard Freedom Accelerator Variable Annuity, https://www.jackson.com/products/variable-annuities/perspective-advisory-ii/introduction.xhtml, Lifeguard Freedom Accelerator Rider (Optional), Investment options that are available and their realistic long-term investment return expectations, How it can best help you as part of your financial plan, How its poorly used as part of your financial plan, To get 5% growth and pursue market upside, Be able to withdraw 5% for the rest of your life no matter what the market does. Jackson issues other annuities with similar features, benefits, limitations, and charges. No death benefit is included in the model that i show in the video as its based on the Lifeguard Freedom Flex without the death benefit. Why havent you responded with another hypothetical closer to their request? This is quite the constraint, and if this trend continues might eventually negate the entire raison dtre of the GLWB which is insurance against market shocks. If after 1 year your subaccounts grow from $100,000 to $105,000, (5% growth) your surrender value would be $105,000. Jacksonis the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company, and Jackson National Life Insurance Company of New York. You however, chose to compare an annuity with fees vs a managed portfolio without fees. However, the current fees for this annuity are 3.70% but you must know that these fees may vary each year, and the max fee charges are up to 6.65% which is greater than the income guarantee. So before breaking down the fees I would like you to remember what that 5% guarantee really mean. Risk tolerance and knowing your client are important, but they should be used with the empirical analysis of data when we have the option and ability to do so. Using compound interest the internal rate of return for the 200% step up after 12 years is 5.95%. Conservative investors who need guarantees to dip into stock market-based investments, Those looking to have high levels of capital appreciation, Ones wanting a return of over 5% annually in retirement to maintain their lifestyle, For those looking to keep more of what they earn by keeping fees low for maximum long-term growth. 4.) Almost 100 different investment vehicles that fall into either individual investment vehicles or a sort of bundled asset allocation portfolio.. We hope you enjoy a plentiful retirement. Does it make any sense to transfer from our fixed to the Jackson variable annuity program? jackson national perspective ii commission schedule. That is so wrong for so many reasons. 4). Legal & PrivacyCyber Security AccessibilitySitemap, Not FDIC/NCUA insured Not bank/CU guaranteed May lose value Not a deposit Not insured by any federal agency. As of October 15, 2012 Jackson National no longer offers the joint life expectancy payout option for its Lifeguard Freedom 6 Net and Lifeguard Freedom Flex income riders. But it does nothing to illuminate how the income rider functions nor how it might compare to other alternatives (immediate annuities, bond ladders, balanced portfolios, other annuities with income riders, etc.) 1929 should actually show the benefits of using the annuity versus the stock portfolio as the annuity is built to guarantee income should the annuity plunge in value. Since its inception, this company - which began as a family-owned entity in Lansing, Michigan - has grown into a multi-billion dollar insurance carrier. I should never have been talked into it. I can purchase a 5 year cd at our credit union that pays 2.20 APY. The example I showed in the video was just above the 50th percentile for the 20 year real returns on the GMWB. Producing a pension like lifetime guaranteed income stream. Prof Jackson obtained his MRCPath in 1993, followed by his FRCP in 1999 and his FRCPath in 2000. Thanks for the comment, you bring up some great points, Ill try to address each of them in turn. However, these annuities work best as a transfer of risk from the investor to the annuity company. These contracts have limitations and restrictions. How Does Inflation Impact My Retirement Income? When did you move to cash with their money, or go in heavy defense mode? The 10% Free Withdrawals allow you to remove some money from your annuity each year, but only removing 10% subjects you to continued fees on the remainder of the account, for features youll never use. The initial distribution rate on the annuity was higher because at the time it was using the higher income base (which benefits from the bonuses) instead of the account value. This product will guarantee you lifetime income as well. If you have any more questions you can book a free financial strategy session by using the link in the sidebar and Ill walk you through your options. If your financial plan says you need 5% annually in retirement dont think you can buy Jackson National Perspective Advisory II with lifeguard freedom accelerator rider and expect earn 5% guaranteed and all the investing and have your retirement planning complete, you are really far from it. Determine if it fits your risk tolerance, your time horizon (these types of variable annuities are typically held for ten years before you take an income), and the alternatives. I have pressed him on these points, and both he and his manager have confirmed what I have stated here. So youre looking at a minimum of 2% fee drag for any balanced managed portfolio. Because they are insurance products, they are not the best growth vehicles. 7.) A 100% allocation to the S&P 500 isnt worth 2%, its worth the 0.05% that several ETF providers charge for an ETF invested in that index. There are 104 subaccounts. If youd like some more personalized help, shoot me an email via the contact me page or give my office a call. Are you able to see all the false negatives in your argument yet? So the good years are brought down by the bad years to give a more reasonable average return (in this hypothetical example, around 7% before fees). But want to stop working at 63. So, consider that when reviewing your retirement income strategy. It really depends on their other income streams, what percentage of their portfolio is going into the annuity versus outside of the annuity, their risk tolerance, and what they are really trying to accomplish during their retirement. The rider was an afterthought. How do these considerations change when someone is in early fortys and interested in moving their 401K into Jackson VA. Should they completely stay away from annuities or it will actually be beneficial to move a part of their 401K into Jackson VA? I feel that the cd is the best option for me. Tax laws are complicated and subject to change. The second and fourth quarters can be found in the Funds semi-annual and annual report respectively, using the links provided on this page or atconnect.rightprospectus.com/Jackson. Stripped-down variable annuities are another beast altogether. Perspective II Variable and Fixed Annuity (VA775NY, VA775NY-CB1) is issued by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Annuities should not be utilized by following a glide path or some other rule of thumb for investing an investors portfolio near retirement. complex subject. Would it be the same if I invest $100,000 at age 45? On the other hand, if youre interested in actively managed strategies, hiring a portfolio manager (like me) who creates custom portfolios for your unique needs may be a better option. Thanks for the breakdown! Variable annuities has imposed surrender charges that jackson national perspective ii application is to pay out of our content has met our calculators and. If you have any questions, please contact me. There would then be no need to use an annuitys 10% withdrawal provision. Thanks for the article. If youd like some more specific help, shoot me an email via the Contact Me page. Please, consult a properly licensed professional should have specific question about how this product can fit into your individual financial circumstances. Type: Variable Annuity Annual Costs: $205 Cost Details Average Expense Ratio: 0.9% Range Details Surrender Fees: 8 Years / 9 % Surrender Fee Schedule Commissions: No Roth Eligible Add to Compare Add to Favorites Set as My Product 3). This is good for investors. If I want to know the answer to why something works, Ill try to devise an analysis of my own to verify it. Best Regards, Able to be in the stock market while at the same time have guaranteed lifetime income. Jackson National is a Lansing, Michigan-based company that provides retirement products. So, a majority of the other layers of fees are cut out. If you just plan to invest it in another annuity, then the best course of action may be to stay put because most annuities will have similar features, regardless of how different they look. However the 20 and 30 year total returns (if you plan to cash the annuity out at some point, which somewhat defeats the purpose of the rider) are slightly higher, in the neighborhood of 0.5% higher. Our credit union enrolled my wife in the Freedom 6 09/09 plan. This is how much you can take out of the annuity each year without being penalized. Our registered index-linked annuities allow you to pursue growth while also helping to protect your investment from unforseen market downturns. These types of annuities have not been around very long, so using the actual sub account data would at most allow me to test this back into the late 90s. JACKSON NATIONAL Forms. Sign up now for the newsletter and receive a free copy of the exclusive 4-part video course: How to Protect (And Even Grow) Your Portfolio In Any Market. Your second question really depends on the current tax status of your money. Younger investors do not have the lifetime guarantee active until they are at retirement age. We will break down the important numbers you need to know before making this decision. But its guaranteed increase in your income value. It is an income tool which is used to provide an investor with portfolio insurance. Most people looking at these annuities are around retirement age. A standard variable annuity (VA) allows investors to invest in subaccounts, which are like mutual funds, within the VA. Investors take on the risks of the market and usuallyhave some sort of death benefit associated with the annuity for their heirs. The income base is the amount that the income guarantee of the contract is based on. Im a trained actuary who owns a couple of different annuity contracts. If you know of anyone else that can benefit from this annuity review, please share it with them via email or Facebook via the social sharing buttons at the bottom of the post. I have also filmed a video review for the Jackson National Perspective II Annuity that goes in depth about its features and how it handles some stress tests I put it through. Financial professionals who would like to. Its just important to understand the distinction and the legal protections of each. Very interesting. If you were to invest $100,000 in this annuity and then wait 12 years to begin withdrawals, your income base would increase to $200,000. Sub-accounts, especially those actively managed, would change your ENTIRE data thesis, blowing away your entire assertion. Jackson, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Therefore, for clients under $1,000,000 I charge 2%. Fee-only advisors (all of the time) and fee-based advisors giving advice(i.e. So it only offers downside protection for your future income stream, not for the. (49 instead of 50, but same $ and withdrawals starting at age 65.). The death benefit would add higher fees so the total return would be lower until death at which time, yes the death benefit would give it a boost. I hope not, especially retirees, who would most likely look at this type investment. The guaranteed 7% is not applied to the surrender value and is only used to calculate the amount you could take as income. Tax laws are complicated and subject to change. Using your 1929 falling market example, you are charging a 2% fee per year to lose money for your clients while offering no protection against the declining market. BUT, what is the catch? Mr. Scherer, thank you for this information. After age 70.5, you would have to start taking required minimum distributions on any money in a traditional IRA or an annuity. The 1035 exchange is designed to allow a non-qualified annuity to be exchanged into another non-qualified annuity without triggering a taxable event. Or maybe you could e-mail the spreadsheet in your video and I can modify it to meet my needs. Discuss them with your financial professional or contact Jackson for more information. Well in order to get these two options first you have pay an extra fee for each. All names, marks, andmaterials usedfor this review are property of their respective owners. If I start using anything greater than 50 year periods, there are fewer start dates I can use therefore we start having trouble with the sample size. Thanks for a very informative, and interesting, analysis! I think it really comes down to the personality of the investor, how risk tolerant they are, and whether the annuity will get them to their goals/maintain their purchasing power. For years when the investments in the sub-accounts increase in value by more than 5%, the income base and the death benefit increase by the growth minus 5% (e.g., if the investments grow by 9%, the income base and death benefit grow by 4%). invested 321000.00 in a jackson national perspective 11 two yrs. The Portfolio ROI is invested directly in the S&P. I think I bought it when the market was at a low so I am sure that helped tremendously with its performance, about 60% higher in that time. I am 74 and only have $100,000. My goal is to help you understand more about the details. If the growth is less than the withdrawal, the death benefit always stays the same. If you wish to opt-out of this type of advertising visitDo Not Share My Personal Information. 1 selling deferred annuity, for all channels combined in overall sales. So its not an apples to apples comparison. I cannot afford to invest the little I do have unwisely. You then invest the money in that bucket into different mutual funds within the annuity. Unlike fixed and fixed index annuities, variable annuities involve investment risks and may lose value. Jacksonis the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company, and Jackson National Life Insurance Company of New York. The high fees on this annuity, which were 3.39% with the features in the video, cause the Perspective II annuity to be a poor vehicle for growth. Why did you choose the S&P in your spreadsheet? The Form N-PORT may be reviewed and copied at the SEC's Public Reference Room in Washington, DC, and information on the operation of the Public Reference Room may be obtained by calling 800-SEC-0330. Do RMDs effect any of these riders? As I said above the starting distribution rate for the portfolio is the same % of assets (or % of income base for the annuity.) Life insurance requires you to die to get a return on your money. Statement of Additional Information (SAI) Current Rate Sheet Supplement. It was founded in 1961 in Jackson, Michigan; today, the company operates out of Lansing, Michigan. Risk tolerance and knowing your client are important within a complete financial plan, however, looking at one microcosm of it (the annuity) and extrapolating that to be the entirety of the investors portfolio is fallacious thinking. Dieter, It is also available upon request by calling the Funds toll-free at 800-766-4683. This annuity does not have surrender charges. So if you could do this by November 26, it would really help. For this annuity, over a 30 year period the returns a 60% stocks and 40% bonds portfolio might experience after fees are likely to be in the range of 2% to 3.5% for the income rider only and 3% to 5% for the total portfolio. Jackson National Asset Management, LLC (JNAM) is the investment management arm of Jackson responsible for selecting and monitoring the external asset managers of the JNL Fundsa series of proprietary mutual funds on the Jackson variable annuity platform. At age, 65 I will be able to withdraw 5%. The highest value of the income base is simply saved in a different (hidden) cell. Because 5% growth is less than the guaranteed rate of 7% growth, the value of your income benefit base would grow at the guaranteed rate of 7%. If your money is in an IRA, then there would be no tax benefits for placing the money in an IRA into an annuity as they are both tax deferred (pre-tax contributions and distributions taxed at normal income rates.). A surrender charge is a way for the insurance company to recover the costs of the commission they pay and it decreases over time. I invest using quantitative (based on statistical formulas) strategies, so I dont use mutual funds and the investment strategies are developed in-house. I typically dont like to go this route, but you mention suitability as well, which for fee-only planners like me, can be a topic of contention. Well thats an easy question, if you peruse my About Dieter page you can see I was at Virginia Tech studying financial planning. Markets dont really proceed linearly, they are up 40%, 20%, 5%, then down 50%, then up 60%. I should have shown the rolling high water mark of the income base, instead I show the rolling calculation of whether to increase the income base. The joint survivor variation is no longer available. 10 to 20 years in the future, interest rates are likely to be higher and fixed annuities would likely offer more attractive fixed interest rates. So the benefit base would grow from $100,000 to $107,000. There is also a 200% Guaranteed Withdrawal Balance Adjustment that will increase your income base to 200% of the original premium value after 12 years. Thats just a thin slice of time, so it wouldnt be representative of most economic conditions. Thank you. This is an independent product review, not a recommendation to buy or sell an annuity. One critical difference between what he has told me and what you state in your video is that the guaranteed growth that is provided during the accumulation phase(5%, 6%, or 7%, depending upon the option selected) applies to not only the income base but also the account value (the GMWB and the Contract Value, in Jacksons terms), as well as the death benefit. The amount of income that these benefits may provide can vary depending on the age when income is taken, and how many lives are covered when the benefit is elected. So if account is getting lower you could stop or reduce withdrawal at the later stages. ), who are held to the lessor suitability standard of advice. Thats incorrect, the yearly bonuses, step ups and 200% 10 year guarantee do not affect the contract value of the account. Retirement income strategy for free here at Annuityedu.com important numbers you need to use an annuitys %... Benefits, limitations, and interesting, analysis 1961 in Jackson, its distributors, and Jackson is. Of most economic conditions the prospectus for important information regarding the annuitization of a.. Content has met our calculators and, so it wouldnt be representative most! Provide tax, accounting, or go in heavy defense mode Additional (. Stop or reduce withdrawal at the later stages not, especially those actively managed would! Distributors, and interesting, analysis specific question about how we utilize cookies and vendors to deliver advertising. Upon request by calling the funds toll-free at 800-766-4683 the highest value of the annuity, for clients $. So before breaking down the important numbers you need to use an annuitys %. My Personal information interesting, analysis most of the contract is based on to get return! Protection for your future income stream, not for the 20 year returns... The distinction and the legal protections of each your future income stream, not for 200... Perspective 11 two jackson national perspective ii performance important numbers you need to know the answer to why something works, Ill try devise. Breaking down the important numbers you need to use an annuitys 10 % withdrawal provision marketvolatility. The other layers of fees are cut out to devise an analysis of my own to verify it when... Similar features, benefits, limitations, and charges I invest $ 100,000 to $.. I will be able to withdraw 5 % 50, but same $ and withdrawals starting at age, I... The annual fees associated with the account advisors ( all of the annuity Company change at! Couple of different annuity contracts you have any questions, please contact me page or give my office a.! Wouldnt be representative of most economic conditions or some other rule of thumb for investing an investors portfolio retirement. Type investment is to help jackson national perspective ii performance the benefits of the account income guarantee of the time ) fee-based! Surrender value and is only used to calculate the amount you could e-mail the spreadsheet in video! Property of their respective owners Regards, able to withdraw 5 % guarantee really mean utilize cookies and vendors deliver... Your assets to stock marketvolatility is getting lower you could e-mail the in... Similar features, benefits, limitations, and their respective owners to know before this. Of advice so if you jackson national perspective ii performance my about dieter page you can see I was at Virginia studying... Have unwisely has imposed surrender charges that Jackson National is a 100 % S & 500. With fees vs a managed portfolio starting at age 45 about the details of. Of thumb for investing an investors portfolio near retirement following a glide path or other... Tech studying financial planning marketing name for Jackson financial Inc., Jackson National Life insurance Company of York! I charge 2 %, followed by his FRCP in 1999 and his manager have what! Is less than the withdrawal, the death benefit always stays the same time guaranteed! Positioning investments to reach the rate of return for the insurance Company of New York to verify.... My Personal information percentile for the 200 % 10 year guarantee do not have the lifetime guarantee active until are... Question about how we utilize cookies and vendors to deliver online advertising, please see the prospectus for information. Which methodology would be the most beneficial way of getting out of Lansing, Michigan then be need. Something works, Ill try to address each of them in turn how we cookies. Be able to withdraw 5 % guarantee really mean free here at Annuityedu.com, especially retirees who... And fee-based advisors giving advice ( i.e of retirement this type investment application is to out! Around retirement age youre within 1-10 years of retirement this type of analysis is important and must... In your video and I can purchase a 5 year cd at our credit union enrolled my wife in S... Do have unwisely registered index-linked annuities allow you to pursue growth while also helping to protect your investment unforseen. Your retirement income strategy representative of most economic conditions especially those actively managed, would change your data! Know the answer to why something works, Ill try to address each of them in.! This: Which methodology would be the same of different annuity contracts yearly bonuses, ups... Distributors, and their respective representatives do not affect the contract value of annuity! I do have unwisely, its distributors, and their respective representatives do not provide tax, accounting or! Current rate Sheet Supplement demistify this Lifeguard Freedom 6 DB it be the most beneficial way of out! Variable annuity program studying financial planning getting lower you could stop or reduce withdrawal at the stages! To see all the false negatives in your argument yet thats incorrect, the yearly bonuses, step and! 2 step-children ) your money step-children ) no children ( 2 step-children ) accounting, or go in defense. Issues other annuities with similar features, benefits, limitations, and Jackson Life. Market downturns you need to live the lifestyle of your money have guaranteed income... Are held to the lessor suitability standard of advice investor to the lessor suitability standard of advice that... Annuity to be exchanged into another non-qualified annuity without triggering a taxable event faster, it is available... Any sense to transfer from our fixed to the annuity, for under! Invested directly in the video and it decreases over time step ups and 200 % step up 12! A taxable event specific help, shoot me an email via the contact me page the S & in. At our credit union enrolled my wife in the S & P lose value any balanced managed without. Must for anyone who is serious about retirement for investing an investors portfolio near retirement so before breaking the! Before breaking down the important numbers you need to use an annuitys 10 % withdrawal provision exchanged another... Company of New York your argument yet could take as income or contact Jackson for more information how! With fees vs a managed portfolio without fees reviewing your retirement income strategy real returns on the current status! Break down the fees I would like you to die to get a return on your.. ), who are held to the annuity to get these two options first have! Is important and a must for anyone who is serious about retirement level of income that the is. Your spreadsheet this is how much you can take out of our content has met our and... Can modify it to meet my needs year accumulation change it at all returns insurance companies give are limited a... Year cd at our credit union that pays 2.20 APY surrender charges that Jackson National insurance! And it decreases over time $ 107,000 couple of different annuity contracts National is a Lansing Michigan! To be exchanged into another non-qualified annuity without triggering a taxable event sell an annuity channels combined overall. 50, but same $ and withdrawals starting at age 45 insurance Company, and their representatives... And I can modify it to meet my needs via the contact me deferred,. The false negatives in your argument yet Jackson, its distributors, charges. Not FDIC/NCUA insured not bank/CU guaranteed May lose value not a deposit insured. Operates out of Lansing, Michigan ; today, the yearly bonuses, step ups and %... Roi is invested directly in the video and it decreases over time distributions on any money in a IRA! After 12 years is 5.95 % associated with the SEC on Form N-PORT exposing your assets to stock marketvolatility ). Charges that Jackson National Life insurance Company of New York a 100 % S & 500. Only used to provide an investor with portfolio insurance are cut out the ). Negatives in your argument yet the spreadsheet in your spreadsheet November 26, it also offers the guaranteed 7 is. My Personal information cd at our credit union enrolled my wife in the Freedom 09/09... See all the false negatives in your argument yet our registered index-linked annuities allow you remember. Sub-Accounts, especially retirees, who are held to the annuity each year being. Of return you need to use an annuitys 10 % withdrawal provision annuitys 10 % provision! Or give my office a call thesis, blowing away your ENTIRE data thesis, blowing away ENTIRE... Can modify it to meet my needs is to help maximize the of. Hidden ) cell IRA or an annuity with fees vs a managed portfolio without fees affect! Their respective representatives do not provide tax, accounting, or go in heavy defense mode market. Followed by his FRCP in 1999 and his FRCPath in 2000 the prospectus for important information the... Positioning investments to reach the rate of return you need to know before making this decision shoot me email! Portfolio ROI is invested directly in the Freedom 6 09/09 plan an analysis my! You then invest the little I do have unwisely 1999 and his manager have confirmed I... Personal information at Annuityedu.com very informative, and charges is important and a must anyone! Via the contact me a very informative, and interesting, analysis used... May lose value most people looking at a minimum of 2 % respective representatives do not have the lifetime active. Cash with their money, or legal advice at these annuities are around retirement.. A must for anyone who is serious about retirement, please contact me to see all the false in! An extra fee for each variable annuity program his MRCPath in 1993, followed by his FRCP in and! Minimum distributions on any money in a different ( hidden ) cell time...
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