Savings Aren’t Enough for Retirement. How to Protect Income
🔴[LIVE] Day 1166: Portfolio Performance Analysis: November 26, 2024
Savings Aren’t Enough for Retirement.
You need to protect your income. Here’s how:
Building a portfolio that preserves capital in retirement is about balancing growth and security.
✅ Lifetime Income with Annuities: Fixed indexed annuities (FIAs) provide guaranteed income for life, offering market-linked growth without risking your principal. Think of it as creating your own personal pension.
✅ Downside Protection: These products shield your capital from market downturns. If the market dips, your principal remains safe.
✅ Longevity Insurance: Deferred income annuities (DIAs) kick in later in life (e.g., at age 80), ensuring you won’t outlive your money.
✅ Tax Efficiency: Many annuities grow tax-deferred, maximizing your savings during retirement.
✅ Guaranteed Lifetime Withdrawal Benefits (GLWB): Enjoy lifetime withdrawals, even if your account balance hits zero.
The goal? Peace of mind in retirement—income that lasts, capital that’s protected, and a plan that aligns with your goals.
What strategies are you using to preserve your wealth in retirement? Let’s discuss in the comments! ⬇️
🔴[LIVE] Day 1166: Portfolio Performance Analysis: November 26, 2024
🗽New York Call
Every business day, we hold a live meeting with our Brazilian clients, called the New York Call, where we analyze the market, our portfolio, and assets on demand. This is an excerpt from the meeting in Portuguese and This is an excerpt from the meeting in Portuguese.
With clients in 60 countries, we've included an AI-Dubbed version in English to make this content accessible to a wider global audience.
🤖AI-Dubbed in English ↓
▶️Read what the Wall Street Insiders wrote about us↓
I have tried to save money several times, but unfortunately, I've never been very good at managing my finances. Whenever my expenses exceeded my income, I would end up withdrawing my savings to cover the costs. I remember you once told me that setting aside money for retirement is not about taking from what's left at the end of the month, but rather prioritizing this goal and including it in my budget. A budget is a plan for how we spend our income, not what's left of it. Unfortunately, I never put this lesson into practice. Today, I understand the importance of financial planning and I am seeking information to start investing in my future.