Crypto Dice Throw or Annuity Guarantees

It’s that time of week when I rant, go off, and factually crush a topic so you can think about it while you drive, walk, or play golf.

Today’s topic is Crypto Dice Throw or Annuity Guarantees.

Now, I know what you’re saying. “Stan, I made a killing on Bitcoin and Ether. I’m killing it out there.” I get it. Bitcoin could go to a trillion. I understand that. Nobody can really explain what’s backing it up, but that’s a whole other topic.

Can we all agree that it’s a little bit of a dice throw? In my opinion, it’s a dice throw with a running start, throwing it overhand.

There was a recent article about crypto that really laid it all out. Maybe I’ll include it in one of my newsletters soon. But the bottom line is this: when I say crypto dice throw, I’m generalizing the mindset of many investors right now.

Yes, the markets keep going up and up, even with thirty-seven trillion in debt and no plan to address it. Artificial intelligence investing is driving the market. Here at The Annuity Man, AI stands for Actual Individuals. You’re actually going to talk to somebody when you call us at The Annuity Man.

But the point is, crypto dice throw represents market dart throwing. People say, “I’m making a killing out here.” Yeah, but calm down. At the end of the day, you need contractual guarantees as well.

So, is it a crypto dice throw or an annuity guarantee?

What Annuities Really Are

Why am I called Stan The Annuity Man? Because Annuities should be owned for what they will do, not what they might do. The “will do” is the contractual guarantees of the policy.

There are four reasons to own an Annuity, and the acronym is PILL. Take the PILL:

P stands for Principal Protection.

I stands for Income for Life.

L stands for Legacy.

The other L stands for Long-Term Care.

When you schedule a call with us at The Annuity Man, we’ll ask you two questions. What do you want the money to contractually do, and when do you want those contractual guarantees to start? Keyword, contractual. Underline it, highlight it, circle it. Everything we do is contractual. There are no hypothetical, theoretical, projected, unicorn-chasing presentations.

We deal in worst-case scenarios and contractual guarantees. “Mr. Jones, Mrs. Jones, this is what you are going to get.” There is no crypto dice throw.

Why Guarantees Matter

There will be no crypto Annuities that we sell. It’s not going to happen. I’ve heard rumors that some companies are exploring crypto Annuities. Good for them. Good luck. Have a nice day.

But for you, it’s time to get rational.

I know what some of you are thinking. “Stan, you don’t know what you’re talking about. You’ve never seen the stock market in your life.” Oh, yes I have.

I worked for Morgan Stanley, Dean Witter, Payne Weber, and UBS. Been there, done that. I’ve seen the up, seen the down, seen the vomit, seen it all. And I’m feeling that same uneasiness in the market right now. Am I calling the top? Absolutely not. Anyone who says they can is full of nonsense. The bell doesn’t ring at the top or the bottom.

But here’s what I want you to consider. Crypto and the market have both done great, but how about adding some guarantees?

You Already Own a Guarantee

You might say, “Stan, I don’t do guarantees. I don’t believe in them.” Yeah, you do.

It’s called Social Security. That’s an Annuity, guaranteed by the U.S. government, with an inflation increase. You already own one.

If you’re one of the lucky few who have a pension, that’s another Annuity. So, you already have guarantees in place. The question is, do you need more?

Do you need to create an income floor? Do you need to protect the principal? Do you need to keep your powder dry?

What Non-Correlated Really Means

Some people say, “Well, I bought this Indexed Annuity. It’s attached to the market, so I get upside with no downside.” No, you don’t. That’s not a market product. That’s a CD product. Indexed Annuities are Fixed Annuities with limited upside and principal protection. Nothing wrong with that, but it’s not a market play.

What I’m seeing right now is a euphoric belief that the markets will just keep going up. Tariffs, debt, inflation, nothing seems to stop it. Artificial intelligence is fueling it all. Maybe it will continue forever. Maybe.

But what I’m asking you is this, in chapter two of your life, when you’re retired or close to it, do you really want to live in the casino? Unless you’re a professional trader or addicted to risk, why would you keep all your money there? You shouldn’t.

The Shift That Needs to Happen

You should be looking for guarantees.

We live in a pension-free world where ninety percent of people don’t have one. With fourteen thousand baby boomers turning sixty-five every day, there has to be a shift from accumulation to guarantees.

You can protect principal and peel off interest with a Multi-Year Guarantee Annuity, or MYGA. Or you can create lifetime income for you and your spouse for as long as one of you is breathing with a Single Premium Immediate Annuity or a Deferred Income Annuity.

And yes, we can structure it so that the Annuity company doesn’t keep a penny.

Those are guarantees, not dice throws.

Reality vs. Sales Hype

Life insurance companies issue Annuities. They’re legal contracts between you and that carrier. That’s it. The difference between us and everyone else is that other people are selling dreams, moon pies, and unicorns chasing butterflies. We’re selling contractual guarantees.

You own an Annuity for what it will do, not what it might do. There’s not one quote you can get from my site that doesn’t show just the contractual guarantees, because that’s what you’re buying.

Any agent who shows you projections or hypothetical growth is selling hope, not math.

If an agent says, “You get an upfront bonus when you sign up,” remember this, there are no philanthropists at Annuity companies. They’re not giving away money. They’re taking something away from the policy to make that bonus look good. That’s not free money. That’s marketing.

The Bottom Line

Be smart out there. Crypto dice throw or Annuity Guarantees, you choose. At least think about it. Put some guarantees in place. Protect some principal. Build an income floor. Because when the markets go down, you’ll already have protection.

Food for thought from Stan The Annuity Man.

I’ve been doing this so long, I’ve got shoes older than your kids. See you next time.