Guaranteed Lifetime Income Benefits have Doubled in the Past Year!

Dec 17, 2024

This is the best time to establish Guaranteed Lifetime Income in 42+ years! 

 

There are guaranteed lifetime products that offer up to a 30% bonus with a 8% guaranteed benefit increase annually. You can increase the income you receive in one year by 40%, guaranteed for life.

Other products offer a 10% annual increase in your guaranteed lifetime income benefit. If you defer income for 7 years, you double your guaranteed lifetime income.

 

The most common concern retirees have is running out of money before they run out of time.

Guaranteed Lifetime Income is exactly what it sounds like. You cannot out-live the income. Pensions are a common example of guaranteed lifetime income. You can fund a "private pension". 

 

Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade.

If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.

 

Many financial experts are calling this the "golden age" of fixed investments.

 

 

Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.

Record levels of debt requires record selling of bonds. This pushes bond interest rates higher. 

Until the government starts paying down debt, bond interest rates will remain elevated.

 

At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates. 

 

This creates an opportunity. 

Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.

If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.

 

We are likely headed to a historical positive arbitrage scenario.

Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!