Fear and uncertainty are strong emotions that can trigger natural and sometimes impractical and short-sighted responses that may lead to long-term regret. Being attuned to your emotions and behaviors can help you navigate the certainty of uncertainty, allowing you to make more rational decisions based on facts instead of fear.
Can you relate to the following findings and, if so, have you considered how you will respond to life’s uncertainties?
Investor behavior is not simply buying and selling at the wrong time, it is the
fear outliving their savings and investments3
fear declining health that requires long-term care3
Less than
1/3 OF NON-RETIREES
say they have a “source of guaranteed income”
in their retirement portfolio4
of workers are concerned that
for them when they’re ready to retire3
Only
to earn income if they’re forced into retirement
sooner than expected3
As your advisor, I can help you address your fears by bringing clarity, especially when life’s circumstances change or economic conditions shift. Recent market volatility has only heightened investor fears, leading some to panic-induced selling when markets drop, locking in their losses. With the right mix of fact-based information, empathy, understanding, and expertise, I can help you take a more objective and rational approach to your retirement strategy and investment decisions.
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STATISTICAL SOURCES:
1Kantar Consulting 2018 U.S. MONITOR, Download on Stress
22020 DALBAR Study "2020 DALBAR Study "Quantitative Analysis of Investor Behavior"
3TransAmerica Center for Retirement Studies, Retirement Security Amid COVID-19: The Outlook of Three Generations – 20th Annual Transamerica Retirement Survey of Workers, May 2020
4Allianz Life Insurance Company of North America, Reality Check: Most Americans are Unprepared for When and How Retirement Will Happen,
April 13, 2020
IMPORTANT DISCLOSURES
This material is informational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor.
Annuities are long-term insurance products designed for retirement purposes. Many registered annuities offer four main features: (1) a selection of investment options, (2) tax-deferred earnings accumulation, (3) guaranteed lifetime payout options, and (4) death benefit options. Before investing, you should consider the annuity’s investment objectives, risks, charges and expenses. The prospectus contains this and other information. Please read it carefully. To obtain a prospectus, contact your advisor, log onto membersproducts.com, or call 888.888.3940.
All guarantees are backed by the claims-paying ability of the issuer and do not extend to the performance of the underlying accounts which can fluctuate with changes in market conditions.
Annuity contract values, death benefits and other values fluctuate based on the performance of the investment options and may be worth more or less than your total purchase payment when surrendered. Withdrawals may be subject to surrender charges and may also be subject to a market value adjustment (MVA). Withdrawals of taxable amounts are subject to ordinary income tax, and if taken before age 59½ may be subject to a 10% federal tax penalty. If you are considering purchasing an annuity as an IRA or other tax-qualified plan, you should consider benefits other than tax deferral since those plans already provide tax-deferred status. The company does not provide tax or legal advice. Contact a licensed professional.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.
MGA-3189430.1-0820-0922