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036: Annuities vs. The Stock Market: The Brutal Truth About Both

“Fun With Annuities” The Annuity Man Podcast

Release Date: 12/22/2020

062: Bob Carlson: Unlocking the Secrets of Social Security and Your Retirement Plan show art 062: Bob Carlson: Unlocking the Secrets of Social Security and Your Retirement Plan

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discusses:  How the COVID19 pandemic has affected retirement plans. The Retirement Watch newsletter and how it can help you.  What DC is doing that can affect retirement.  Inflation and adding inflation hedges to your portfolio.    Key Takeaways:  While the focus of retirement planning is on the financial side, that is the least important side of your retirement planning. Knowing what you’re going to do in retirement is vital.  You need to keep up with changes and revise your retirement plan as necessary.  The social...

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“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man and John Lenz discuss:  Spendthrift planning.  Customizing the annuity contracts to achieve the specific goals you have in mind.  Medicaid planning using annuities.  Nonqualified stretch plans.    Key Takeaways:  There is nothing magical about the ability to manage money. It can be difficult regardless of the age of the beneficiary.  Working with an elder care attorney or an estate planning attorney can often help when deciding how to best provide for your beneficiaries.  There are many different types of...

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060: Bill Black: The Math and Taxes of Life Insurance show art 060: Bill Black: The Math and Taxes of Life Insurance

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man and Bill Black discuss:  What is happening in the life insurance space (especially during the current pandemic).  How interest rates affect life insurance policies.  Benefits of life insurance to the beneficiaries.  What to watch out for in the sales pitch world of life insurance.    Key Takeaways:  Oftentimes, term insurance can be changed to permanent insurance without the health checks being redone.  Life insurance is the best return on investment that you will never see.  Like with annuities, you buy life...

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“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discusses:  The historical journey of indexed annuities and how they’ve gotten to where they are today.  The questions to ask your advisor about your indexed annuities.  The golden rule of annuities - they have the gold, so they make the rules.  The problems with backtested numbers.    Key Takeaways:  For anyone to say market upside with no downside or market participation with principal protection is misleading and blatantly false. If you get a big bonus with an annuity, you’re paying for it. You’re financing it over...

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058: The Moneylady® Terry Savage Holds Nothing Back show art 058: The Moneylady® Terry Savage Holds Nothing Back

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man and Terry Savage discuss:  The Money Lady’s opinion on the current markets.  The creation of money, interest rates, and the US budget deficit.  How technology has changed investing.  The coming hot topic of long term care.    Key Takeaways:  You don’t have to beat the market to be successful, you need to be in the market.  It is inevitable that rates will go up, and it will likely happen in a snap when it does. Nobody knows when that will happen.  With the changes in blockchain technology, the game of finances...

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057: Jack Lenenberg: Long Term Care show art 057: Jack Lenenberg: Long Term Care

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man and Jack Lenenberg discuss:  The environment, products, and solutions in long term care currently available.  The 6 daily functions of life and how they affect long term care.  The best time to look into and apply for long term care.  The answers to common questions that Jack is asked by customers.    Key Takeaways:  Your long term care does not need to be permanent. It just needs your doctor to sign off that you need care for at least 90 days.  There has been a shift to fixed and guaranteed policies to accommodate...

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056: Paul Merriman: We’re Talking Millions show art 056: Paul Merriman: We’re Talking Millions

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man and Paul Merriman discuss:  Making decisions that are in your, individual, best interest.  Understanding what you’re trying to achieve and what you want to do with your investments in the market.  Navigating the forks in the savings road.  Finding your good enough return.    Key Takeaways:  To be a successful long-term investor, you have to shut out all of the noise.  There is always a good news list and a bad news list for all market decisions.  Stay in your lane - investing takes time.  Every stock has...

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055: Gary Baker: The Annuity Data Maker show art 055: Gary Baker: The Annuity Data Maker

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man and Gary Baker discuss:  The pricing of lifetime income.  How mortality tables (life expectancy tables) work and function within annuities and life insurance.  The future of the annuity industry.  How Cannex works with carriers and some of the challenges with doing so.   Key Takeaways:  You buy a life insurance contract in the event that you die too soon, you buy an annuity in the event that you live too long. Annuity companies don’t give anything away. If you add things onto your contract (like cost of living adjustments or...

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054: Barry Dyke: Markets, Risk, and Retirement Income show art 054: Barry Dyke: Markets, Risk, and Retirement Income

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discusses:  Compliance at family offices, hedge funds, and other securities offices.  Possible hiccups and downturns on the horizon.  The misinformation around the 4% Rule.  The research behind Barry’s book, The Pirates of Manhattan.    Key Takeaways:  Family offices have more assets (money under management) than hedge funds.  The general public doesn’t know what is going on and most people don’t know that they don’t know what is happening.  Major banks buy more life insurance and fixed annuities than...

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053: Owen Schrum discusses Bitcoin and explains Blockchain show art 053: Owen Schrum discusses Bitcoin and explains Blockchain

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discusses:  What cryptocurrency is and how blockchain works.  Losing Bitcoin and the future of the cash dollar.  Looking at cryptocurrency as an investment.  Normalizing cryptocurrency with direct and indirect regulations.    Key Takeaways:  It is a speculation tool, an investment, but a very speculative one. That is, an investment in a new technology called Blockchain. Blockchain is the internet of things, of assets. Bitcoin is the application running on the blockchain.  Right now, Bitcoin and other cryptocurrency...

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In this episode, The Annuity Man discusses: 

  • Having money in the stock market (even if you don’t have or need an annuity).
  • Why you should be in the stock market, either managing yourself or having someone manage it for you. 
  • Understanding if you need an annuity and how to allocate and proportion your money. 
  • Diversification of risk and assets. The stock market and annuities can work together, but they cannot be compared. 

 

Key Takeaways: 

  • 80% of all stock market trades are not done by a real-life, breathing human. 
  • If you want market growth, stick with the stock market. Annuities are for the guarantees, not growth.
  • Never buy annuities for what they might do. You can’t look at back-tested numbers, you can only look at what it will do, not what it might do. 
  • Never compare the stock market to annuities. Never compare investments to contracts. One is a shouldering of the risk and one is the transferring of the risk. 

 

"It comes down to two things: how much risk are you willing to shoulder and how much risk are you wanting to transfer? Everybody is different." —  Stan The Annuity Man 

  

Connect with The Annuity Man: 

Website: TheAnnuityMan.com 

Email: [email protected] 

Book: Owner’s Manuals 

YouTube: Stan The Annuity Man 

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