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How Fixed Indexed Annuities Help Address Sequence of Returns Risk| EP 61
What if it’s not just how much you earn in retirement, but when you earn it, that makes all the difference?
In this episode of Make It Personal, we dive into a critical but often overlooked challenge in retirement planning: Sequence of Returns Risk. Through the real-life stories of Linda and James, two retirees with similar savings and returns, but drastically different outcomes, we explore how timing can either protect or derail your financial future.
You’ll learn how market losses early in retirement can create long-term damage, especially when you’re drawing income and selling investments at the wrong time. That’s where Fixed Indexed Annuities (FIAs) come in, tools designed to offer growth tied to a market index while shielding against market downturns, based on contract terms.
We break down how FIAs can play a key role in a “bucket strategy” for retirement, offering a stable middle ground in those vulnerable early years. You’ll also hear how optional lifetime income riders can provide predictable income when markets dip, reducing pressure and adding flexibility to your plan.
Key Takeaways:
→ Sequence of Returns Risk is real, poor market timing early in retirement can shrink portfolios fast.
→ FIAs offer downside protection, which can help preserve your assets during market declines.
→ Bucket strategies use FIAs for short-to-mid-term needs, buying time for investments to recover.
→ Optional income riders can provide steady income, regardless of market performance.
→ FIAs come with specific features and costs, so understanding the contract is essential.
“It’s not just how much return you earn, it’s when you earn it.”
Want to explore whether a Fixed Indexed Annuity fits into your retirement plan? Visit makeitpersonalpodcast.com to connect with an advisor who can walk you through your options, clearly and personally.
Connect with Mutual of Omaha Advisors through the following links:
→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2
→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal
→ Instagram: https://www.instagram.com/makeitpersonal_podcast/
→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB
→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal
--
Investing involves risk, including loss of principal.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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By Mutual of Omaha AdvisorsWhat if it’s not just how much you earn in retirement, but when you earn it, that makes all the difference?
In this episode of Make It Personal, we dive into a critical but often overlooked challenge in retirement planning: Sequence of Returns Risk. Through the real-life stories of Linda and James, two retirees with similar savings and returns, but drastically different outcomes, we explore how timing can either protect or derail your financial future.
You’ll learn how market losses early in retirement can create long-term damage, especially when you’re drawing income and selling investments at the wrong time. That’s where Fixed Indexed Annuities (FIAs) come in, tools designed to offer growth tied to a market index while shielding against market downturns, based on contract terms.
We break down how FIAs can play a key role in a “bucket strategy” for retirement, offering a stable middle ground in those vulnerable early years. You’ll also hear how optional lifetime income riders can provide predictable income when markets dip, reducing pressure and adding flexibility to your plan.
Key Takeaways:
→ Sequence of Returns Risk is real, poor market timing early in retirement can shrink portfolios fast.
→ FIAs offer downside protection, which can help preserve your assets during market declines.
→ Bucket strategies use FIAs for short-to-mid-term needs, buying time for investments to recover.
→ Optional income riders can provide steady income, regardless of market performance.
→ FIAs come with specific features and costs, so understanding the contract is essential.
“It’s not just how much return you earn, it’s when you earn it.”
Want to explore whether a Fixed Indexed Annuity fits into your retirement plan? Visit makeitpersonalpodcast.com to connect with an advisor who can walk you through your options, clearly and personally.
Connect with Mutual of Omaha Advisors through the following links:
→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2
→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal
→ Instagram: https://www.instagram.com/makeitpersonal_podcast/
→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB
→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal
--
Investing involves risk, including loss of principal.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.