Today I want to feature a deferred, lump sum investment that is just hard to beat. We have two similar lump sums, from two different top rated carriers, AIG and Prudential. Each have the same payment stream.
The AIG deal is this one:
What makes this so special? Well, compare it to a CD or a fixed annuity. For an investor with a bucket of cash and time to defer, there are few better ways to position assets today.
Take an IRA for example. For a 50 year old, an IRA is a bucket of money that you can’t touch until you retire, age 59.5 at the earliest without IRS penalty. What’s a 50 year old to do? You have to defer for 10 years at minimum…. and if you’re looking to retire at 65, this is a perfectly timed passive and safe investment.
Long term deferred lump sum investments make perfect sense in an IRA where you can’t do anything with the money anyway until you retire. And concerns about a large amount of taxable income coming in one year are moot when you do this deal in an IRA. It’s all tax deferred anyway.
Compare CD’s at a paltry 1.5 % rate, taxable annually… Fixed annuities at about 3%…. Muni bonds at 2% to 4% and susceptible to principal degradation if rates rise… and compare to Treasuries at 1%… ish.
These yields are you other ‘safe’ money options. Why wouldn’t you seriously consider a fantastic lump sum deferred deal like the one above that has a guaranteed price, and guaranteed payout, fixed and defined terms, and a great rate?
We’re waiting for your call- 2 of these are available today, one from AIG and one from Prudential. 800-438-5121.