Case 1
Case 1
Case 1
30 year old looking to invest $300 per month till age 65, with an additional $1000 in the first five years.
Projected result: Over $45,000 per year from 65 till 90, all tax free.
Total input $131,000
Total return over $1,125,000
(realistic but not guaranteed)
Case 2
Case 1
Case 1
55 year old with $250,000 in a retirement account, wishing to have it grow downside-protected, fee-free, tax-deferred for 15 years.
Projected result: Over $970,000 by age 70.
At that point all or some of the money can be withdrawn or rolled into another account.
(realistic but not guaranteed)
Case 3
Case 1
Case 3
62 year old wishing to turn $300,000 into guaranteed income for life after an 8-year guaranteed, 7% per year growth period.
Projected result: $25,974 per year for life.
Amount received by age 90 is $519,480.
(guaranteed)
Case 4
Case 4
Case 3
74 year old looking to turn $400,000 into immediate guaranteed lifetime income with principle protection as a lump-sum to a beneficiary.
Projected result: Over $25,175 for life.
After 20 years it will total over $503,500.
Any amount of the initial $400,000 not received will go to the beneficiary.
(guaranteed)
Case 5
Case 4
Case 5
45 year old looking to put in $1000 per month over 25 years with an additional $2000 in the first 3 years.
Projected result: Over $65,500 per year from 70 till 90 all tax free.
Total input $306,000
Total return over $1,380,000
(realistic but not guaranteed)
Case 6
Case 4
Case 5
59 year old looking to covert $500,000 from a pre-tax account to tax-free, downside-protected growth over 11-12 years.
Projected result: At age 70-71 there will now be 2 accounts. A pre-tax account will still have over $500,000, while a 2nd tax-free account will also have over $500,000, both still growing.
actual taxes paid will cause variances
(realistic but not guaranteed)