The Retirement Income Rule You Can’t Ignore: Shootin' It Straight With Stan
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The Retirement Income Rule You Can’t Ignore: Shootin' It Straight With Stan
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À propos de cet audio
In this episode, The Annuity Man discussed:
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Preserving principal
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Matching products to time horizons
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Adapting to changing rates
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Prioritizing peace of mind
Key Takeaways:
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The “never touch the principal” rule emphasizes generating retirement income from interest alone, keeping original capital intact for protection and legacy.
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CDs and treasuries are best for terms under three years, while MYGAs provide tax-deferral benefits and stronger returns for longer durations.
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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.
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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
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