You have two phases in life when discussing your savings and investments. The first being the Accumulation phase. During this time, you may wish to consider putting away as much money as you can for your future self and make sound financial decisions on investments. The goal of the accumulation phase is to accumulate the most funds possible for retirement.

The second phase is Distribution. During this phase, your primary concern may be finding a suitable investment or product to create an income you and your spouse will not outlive. With the ups and downs of the market, it makes retirement planning difficult for retirees. If the market has a 15% correction during your distribution phase of retirement or worse, 35% corrections like in 2008…how will this affect your retirement? Ask yourself these questions:

Can you wait for 8 to 10 years to get back what you already had?

Can you continue to take your current income without worrying about running out of money?

For more information on how to create the same or potentially better income on a guaranteed basis with minimal risk, feel free to contact your AHF representative today for a no cost or obligation consultation.