In this episode, The Annuity Man discussed: 

• Preserving principal

• Matching products to time horizons

• Adapting to changing rates

• Prioritizing peace of mind

 

Key Takeaways: 

• The “never touch the principal” rule emphasizes generating retirement income from interest alone, keeping original capital intact for protection and legacy.

• CDs and treasuries are best for terms under three years, while MYGAs provide tax-deferral benefits and stronger returns for longer durations.

• High interest rates make this strategy attractive now, but if rates fall, retirees may need to pivot to options like immediate annuities for steady income.

• This approach emphasizes guaranteed returns, protection from volatility and fees, and thoughtful planning, including reviewing MYGA rates, evaluating assets, and considering a spouse’s needs.

 

"Never touch the principal. Those are the four words I want you to focus on." —  Stan The Annuity Man

 

Connect with The Annuity Man: 

Website: http://theannuityman.com/ 

Email: [email protected] 

Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 

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