mutual funds

Discover Financial Peace Of Mind In Retirement

Consider A Future of Comparing Market Risk Verses NO Market Risk

Did you know, if your Mutual Fund has a 1.25% annual fee, that fee not only reduces your gains but also compounds your losses.  Last year if your Mutual Fund made; 5% minus the fee you made a total of 3.75%.  You are only keeping 75% of what the market gained.
And in the years your fund lost money, that fee adds to your losses.
Last year if you lost; -5% minus the fee you lost a total of -6.25%. So you are losing -125% of what the fund lost.
In a Mutual Fund you are not getting 100% of the market gain, but you are taking 100% of the risk of market.
How is an EIA different then other type of accounts?

  1. Annual Lock-In means that once you have earned a gain over the course of a year in the Stock Index, that gain is now “Locked-In” and cannot be lost or taken away by a future downturn in the stock market. (So you don’t give back gains and you never have paper losses.)
  2. Annual Reset means that each year on the anniversary date, the account resets to the value of the Stock Index on that anniversary day each year. This is critical in the event of losses in the Stock Market, because it eliminates the need to recover losses like you have to in stocks, mutual funds or variable annuities.

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