Retirement Income Options Final Revision - SMB Financial · INVESTMENT OPTIONS TYPE OF INVESTMENT...

INVESTMENT OPTIONS

TYPE OF INVESTMENT

INVESTMENT NAME PROS: CONS:

Immediate AnnuityFixed Deferred AnnuityIndexed AnnuityVariable AnnuityUniversal or Whole Life

Conservative PortfolioModerate Income PortfolioGrowth Stocks

Gold & SilverIraqi DinarCryptocurrency (Bit-coin)

Guaranteed Income for Life3 - 4% Guaranteed Return0.0 - 7.5% GrowthTax Deferred GrowthDeath Benefit for Heirs

2 - 4% Annual Targeted Return4 - 6% Annual Targeted Return6 - 10% Annual Targeted ReturnLow fees

Inflation ProtectionSupposed GrowthLatest Bandwagon Trend

Principal DisappearsSurrender ChargesNo ConsistencyHigh FeesInsurance, NOT Investment

Interest Rate SensitiveModerate Volatility/RiskIncreased Volatility

Increasing ValueIncome Rises with InflationLong-term Lease / Stability

No IncomeRe-valuation ScamInsane Volatility

InsuranceProducts

SMBPortfolios

Real Estate

AlternativeInvestments

ResidentialRental (Single/Multi-family)Commercial

Maintenance CostsManagement ResponsibilityLong-term Vacancy Risk

1) Guarantees made by insurance companies. Return depends on length of contract and current available rates. 2) SMB Portfolios are not guaranteed. Investments may lose money. Returns shown are targeted over a 10 year time horizon.

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