Annuities vs Stock Market Investments

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Hi there, Stan the Annuity Man, America's annuity agent, licensed in all 50 states and Puerto Rico,

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the pioneer of contractual guarantees only. Today's topic is annuities versus stock market

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investments. And let's compare those two. Boy, I can't wait for this one. This is like, you know,

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you throwing me the softball and it's just laying up there,

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and then I just crush it. I'm getting ready to crush this one. And it's not going to

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be anything that you've heard from any other agent and advisor when it comes to annuities

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and stock market investments. And that's a good thing because you need to hear it after this.

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Alright, so, let's get down and dirty here. Annuities versus stock market investment. First

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thing: annuities are not investments. Okay? I mean, done. You know,

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hit the gavel. You know, I rest my case. Annuities are not investments. They're contracts. They're

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transfer-of-risk strategies. Period. End of story. There's no hybrid annuities that

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creep over into the stock market side. No. No. I know that the seminar is telling you that's true.

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Stupid people you see on — I'm not going to say on YouTube because I'm on YouTube and

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I'm not stupid. I'm IREK of IQ. You know what I'm saying? But I do know what I'm talking about

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because I do have a background in the other side of the ledger, the stock market side. I used to

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be with Dean Witter, remember them? PaineWebber, remember them? Morgan Stanley, UBS, Union Bank of

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Switzerland. Did that, done that, understand that. Okay, got it. Worked there before the buildings

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fell, as they say. Okay? So, I understand that. So when people say, well, how do you compare

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annuities to the stock market? I don't, because they shouldn't be compared because annuities

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should be non-correlated, meaning not having anything to do with the markets. Now,

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I know you're saying, well, a guy locally showed me this product: in-market upside with no downside

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and upfront bonus. Okay, that's what I'm talking about. There's some stupidity out there with

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the sales pitches and the nonsense that gets you caught up into thinking you can have your cake

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and eat it too. Annuities solve for four things: principle protection, income for life, legacy, and

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long-term care. That's it. There's no S for stock market. There's no M for market. There's no G for

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growth. There's no B for Bitcoin. There's no H for hybrid. Okay? Those are the four things they solve

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for. Period. End of story. You're transferring the risk to the life insurance company that issues the

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annuity to solve for one or more of those things. If you do not need to solve for one or more of

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those things in the PILL, principle protection, income for life, legacy, long-term care, you do

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not need an annuity. If you're looking for growth or raise a rate of return, stay in the markets.

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Okay? Now, life insurance company's going to try to peel money away from you on this thing that,

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oh, it'll do this and it'll do this and principle protection, market growth, and all that. Listen,

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if that was true and that happened consistently with those types of products, that's all that

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Goldman Sachs would buy, right? Why wouldn't they? In a volatile market where we're all waiting for

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the black swan event, why wouldn't you buy that? I don't know. Because it doesn't work.

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Indexed annuities were put on the planet in 1995 to compete with CD returns. To compete

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with CD returns, not market products. They were initially called equity indexed annuities. And

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it was used so inappropriately by the people selling the product that the industry changed

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the name to fixed indexed annuity because there were such shenanigans going on and such overpromising.

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Stock market is for growth. Stock market is for opportunity. Stock market is for the 10-baggers,

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as they say in the business. You buy it for 10, it goes to 100. Great. There's not a life insurance

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product that issues annuity — life insurance that issue annuity. There's not that annuity product

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that can give you that potential. Period. End of story. You cannot compare the two. This side's

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contracts annuities. This side's investments. Unlimited downside, unlimited upside. Transfer of

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risk. Shoulder the risk. You're transferring the risk with annuities. You're shouldering the risk

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with the stock market side, with the market side. That didn't make either better than the other.

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They're just — you can't compare them. It's apples and oranges. Now, in the middle here is the sales

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pitch, right here. So, here's the truth. Here's the truth. Here's the sales pitches that want you to

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believe you can have both. That Venn diagram that was so beat up in the last presidential election.

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Love a Venn diagram. Love me a Venn diagram. Venn diagram here doesn't

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work. Okay? There is no hybrid. Hybrid's a mattress. Okay? Hybrid can be a plant,

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and hybrid can be a car. But one thing hybrid cannot be is an annuity. Even though it's easy

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to stand up there as Johnny Appleseed agent at the expensive steak dinner seminar and go,

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"This annuity is a hybrid. It does a little bit of both." No, it doesn't, Johnny. Okay? Sounds

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good. It sounds too good to be true because it is. With annuities, because they're contracts,

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you go to my site at theannuityman.com, you run contractual guarantees. The number that

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you will see are contractually guaranteed. There is no hypothetical. That's it. Well, I love a

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guy called me the other day. He goes, "Well, I ran the quotes. Is there any potential for

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it to increase?" No. No. I mean, well, this guy told me that his is increase — okay. Okay. I mean,

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if you believe that — anytime an agent says that something's going to increase, all the annuity

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company does is severely lower the initial payment to make up for it. They don't give that away.

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The best inflation annuity on the planet is Social Security because it's political, not actuarial.

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And I'm not political. I'm contractual. I need to run on the contractual guarantees-only platform.

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Stan the Annuity Man 2028, contractual guarantees only. Means everything we do is contractually

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guaranteed. I know what you're saying. That'd be a perfect world, Stan. And they wouldn't

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want me there. That'd be a tough interview. I mean, if the media got a hold of me,

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I would rake them over the coals. It would not be a fun one, I tell you.

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There would be no love lost, and I would filet them like a flounder. So, in conclusion, annuities

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are contracts, and they're transfer of risk. They should be used as non-correlated assets. What are

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they non-correlated to? The markets. It's that simple. Okay? And if you approach annuities from

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a contractual guarantee standpoint, they will do. You own an annuity for the will do — what it

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will do, not what it might do. And the might do is the stock market side. Have at it. Go for it. Get

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real returns there. But don't believe the sales pitches that tell you you can have it both. Do

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me a favor. Above my head, countdown clock to a video I did on contractual guarantees only.

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Since I'm the pioneer of that, started that, now everyone's following me, which is fine, great,

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I love that. It tells why contractual guarantees is what built Stan the Annuity Man, the

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annuity man, why it's important to us and why it should be important to you, and the only thing you

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look at when considering annuities. Okay? My name is Stan the Annuity Man. See you next time.