One of Our Three Core Principles:

A Reasonable Rate of Return

Reasonable Rate Of Return** In Retirement

Our goal is to help clients achieve long-term, reasonable rates of return**. There is, however, a risk of losing money when investing in the stock market. Approaching retirement may require you to alter your strategy. Retirement is a time when a lot of retirees hope to find a way to earn a reasonable rate of return** during retirement. While at the same time, they still want to protect their income. The retirement products you can choose from don’t have to be based on markets only. For example, a fixed index annuity (FIA) offers both principal protection* and a reasonable rate of return**. One of our key values is to look for a reasonable return on your investment.

How to Find A

Reasonable Rate of Return** in Retirement

Financial stability is paramount when you’re planning your retirement. Risk and reward must be balanced, as well as safety and potential growth. Many people assume that their money is only safe in an FDIC account. Alternatively, they sometimes choose to have a certificate of deposit (or CD) as a form of security.  Neither of these account types offers attractive interest rates, however. In addition, you will be taxed on the interest you earn in these types of accounts. The net return could be even lower as a result.

The good news is that there is a way to earn a reasonable rate of return** in retirement without the risk of the market. The insurance products we offer can provide both a reasonable rate of return, as well as protect your principle. With our assistance, you can determine which of these strategies is best suited to your needs.

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Fixed Index Annuities

Fixed Index Annuities (FIAs) do not invest directly in the stock market. Rather, the insurance company issuing the FIA follows potential earnings through an index (such as the S&P 500 index). If the FIA index rises above a certain level, you will get interest credit on your annuity. Several factors determine the rate of return, including:

  • Term of annuity
  • Benefits that are added
  • Amount paid for the FIA
  • Whether you have chosen a rider for income
  • Conditions of insurance company contracts

Managing Risk and Reward

A reasonable rate of return** in retirement can be obtained, but it must be carefully weighed. Too little income in retirement means you will not have enough money. A rate too high would be too risky. You may have a safe financial vehicle but the return isn’t sufficient to support you. That strategy won’t work. Alternatively, if you earn enough money, but your principal is always at risk, that doesn’t really work either. Both a reasonable return and the protection of income are essential in retirement.

A Strategy That Fits Your Needs

No one retirement strategy fits everyone. Every person’s financial and personal circumstances are different. As we begin working with you, we learn about your objectives and needs. It’s important to understand your priorities. We’ll discuss options to help protect and grow your wealth after reviewing your existing strategy’s performance.

Strategies tailored to your needs

Our aim at GPS Retirement is to ensure our clients have all the information necessary to make informed decisions.

We will show you options to protect your retirement income. Income determines how you will live and earn in retirement. Also, inflation may play a role. You need to know the options you have if you want your money to beat inflation. We want to help you learn as much as possible. You should look forward to your retirement with confidence. 

We offer our service in Rhode Island, as well as part of surrounding cities including Fall River, MA, Providence, RI, and Mystic CT. Reach out to us to explore a reasonable rate of return** in retirement.

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