The Income for Life Model® is an innovative and award winning planning strategy with the objective of providing inflation-adjusted income throughout retirement.
The strategy allocates assets in a manner that places a heavy emphasis on inflation adjusted streams of income that continue over long periods of time. This is extremely important today because Americans are increasingly being forced to rely upon their own retirement savings to create the retirement income they will need. With longevity increasing and interest rates remaining low, creating durable streams of retirement income can be challenging. The Income for Life Model® provides a foundation for creating that income.
The strategy allocates assets in a manner that places a heavy emphasis on inflation adjusted streams of income that continue over long periods of time. This is extremely important today because Americans are increasingly being forced to rely upon their own retirement savings to create the retirement income they will need. With longevity increasing and interest rates remaining low, creating durable streams of retirement income can be challenging. The Income for Life Model® provides a foundation for creating that income.
The Problem
Between 1985 - 2014, the S&P 500 grew by 11.16%, the average equity mutual fund investor earned only 3.79 *
WHY?
Lack of Strategy
Individuals chased performance and became integral players in momentum driven markets.
Lack of Patience
With the average mutual fund position held for just two years, investors did not give their investment decisions sufficent time.
Emotions
Many investors succumbed to emotionally-based decision making driven by greed and then followed by fear.
Lack of Strategy
Individuals chased performance and became integral players in momentum driven markets.
Lack of Patience
With the average mutual fund position held for just two years, investors did not give their investment decisions sufficent time.
Emotions
Many investors succumbed to emotionally-based decision making driven by greed and then followed by fear.
A “perfect storm” has emerged comprised of low interest rates, volatile stock markets and unprecedented longevity. These realities are sure to create stress for many retirees as they seek ways to make their retirement income last as long as they do.
More than ever before, retirees are dependent upon their investments to generate retirement income. With fewer companies providing traditional pension plans, retirees are being forced to assume the investment risk associated with their retirement assets.
Of course, widespread uncertainties about the future of Social Security continue to linger. Increasing budget deficits and financial uncertainty only serve to create additional anxiety for retirees. All of these factors combine in a way that causes retirees to seek investment choices that offer safety but also provide growth opportunities to meet their income needs for both today and tomorrow.
More than ever before, retirees are dependent upon their investments to generate retirement income. With fewer companies providing traditional pension plans, retirees are being forced to assume the investment risk associated with their retirement assets.
Of course, widespread uncertainties about the future of Social Security continue to linger. Increasing budget deficits and financial uncertainty only serve to create additional anxiety for retirees. All of these factors combine in a way that causes retirees to seek investment choices that offer safety but also provide growth opportunities to meet their income needs for both today and tomorrow.
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*Source: DALBAR, Inc. 2015 QAIB Quantitative Analysis of Investor behavior.
Past performance does not guarantee future results. S&P 500 is an unmanaged index of 500 widely held stocks. Inclusion is for illustrative purposes only. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary.
Past performance does not guarantee future results. S&P 500 is an unmanaged index of 500 widely held stocks. Inclusion is for illustrative purposes only. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary.