In this episode, The Annuity Man discussed:

• Traditional laddering with MYGAs

• What is "reversing"?

• Traditional laddering and reversing

Key Takeaways:

• You do a traditional 3-year, 4-year. 5-year ladder if you are hoping that rates will go higher. It's a strategy you use when you want to have money as the rates are rising so that you can attach yourself and lock yourself in with those higher rates.

• Reversing is the opposite of laddering; you lock in the MYGA for 10, 9, 7, or 10, 7, or 5 years because the rates are falling. This is also a great strategy to use with MYGAs since MYGAs are not callable, the rates are locked in.

• If you are undecided whether you should ladder or reverse, you can put half your money in one and half in the other to get a more balanced outcome. What's important is that you should have some of your money be not callable.

"A lot of times when Powell raises interest rates, the annuity industry yawns. You can't time it; there's no sweet spot. There's no arbitrage moment." — Stan The Annuity Man.

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