Stock ownership in the U.S. has been rising steadily since 2015 despite the ever-increasing market volatility. Kim Rawlings, the founder and owner of Retirement Pension Review likened this phenomenon to “gambling”, saying that many Americans aren’t even aware of the alternatives to saving for retirement in the stock market..
“For years, retirement planning has been vastly limited to choices that fall on one side of the scale or the other,” Mr. Rawlings said. Many current or soon-to-be retirees juggled 401k, 403b, IRA, and with bonds, treasury bills, money market,and “safer” assets in an attempt to avoid stock market losses.
The owner of Retirement Pension Review is a licensed pension and retirement income professional on a mission to help clients make educated decisions and choose smart financial plans that suit their preferences and financial goals.
Mr. Rawlings underscored that a far simpler yet more efficient alternative to the traditional stock market approach lies in fixed-index annuities. With a shield against stock market volatility and the remarkable upside potential, annuities enable retirees to save and experience steady gains safely. Many fixed-index annuities even pay a bonus on the initial investment to help overcome the sting of recent stock market losses.
Fixed index annuities in particular are financial products whose interest credits are directly tied to stock market index returns; more importantly, they can never be negative, no matter how much the market shifts. You will never lose a minute of sleep worrying about your hard-earned retirement savings. If the stock market is going up, you go up with it, if the market is down, you never need to worry about losing money.
Sequence-of-returns risk is the risk that an investor will experience negative portfolio returns very late in their working lives and/or early in retirement. This represents a significant threat because retirees have little time to make up for stock market losses and by the need to start taking income from their retirement savings in retirement.
“How do you feel about the recent losses in the stock market and how will that affect your ability to retire?” is the first question Mr. Rawlings asks his clients. Retirement Pension Review’s team understands that all individuals have different financial means and visions, and strives to come up with bespoke solutions that cater to them all.
From tax-free retirement options and fixed-index annuities for 403b, 401k, TSP and IRA rollovers, Mr. Rawlings and his team are helping clients achieve their retirement goals while removing the risks of volatile stock market shifts from the picture.
Knowing that many U.S. retirees are not familiar with fixed-indexed annuities, Kim has demystified some of the most common misconceptions about these financial products on Retirement Pension Reviews’ site. The website is a treasure trove of valuable information related to tax-free retirement, fixed-index annuities, 401k rollovers, and social security maximization complete with detailed guides, explainers, and educational videos.
More information about Retirement Pension Review is available on the company’s official website.
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Company Name: Retirement Pension Review
Contact Person: Principal
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Country: United States
Website: https://www.retirementpensionreview.com
