Best Long-Term Investment Strategies (TAM Classic)

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hi there Stan the annuity man America's

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annuity agent licens in all 50 states

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we're talking about today the best

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long-term investment strategies you're

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saying wait a minute Mr Blue track suit

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dude Mr Stan the annuity man you're

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talking about long-term investment

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strategies yes I can do that I have the

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pedigree to do that but not until I hear

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music

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[Music]

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all right so we're talking about

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long-term investment strategies I I

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recently had a guest on my podcast

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called fun with annuities I I encourage

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you to check that out it comes out every

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Tuesday on all major podcast platforms

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fun with annuities and now we don't just

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talk about annuities I give an example

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we recent guest was Terry Savage she

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calls herself the money lady one of the

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founding members of the Chicago Board of

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exchange I mean she is royalty when it

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comes to investment advice and on the

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podcast she was talking about long-term

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investment strategies and um you know

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where you know stocks have historically

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done well obviously um if you just look

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at the S&P 500 returns historically

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they've done very very well if you just

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bought the S&P 500 Index say from a

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Vanguard or F Fidelity lowcost mutual

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fund and Buy and Hold long term things

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work out now I can say this I'm not

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licensed to do that anymore I'm staying

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and the annuity man I only specialize in

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annuities obviously with with that's

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your last name that's what you do but I

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used to work for Dean Whit and Payne

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Weber and Morgan Stanley and UBS and I

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managed large amounts of assets on that

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side of the table so I do

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understand stocks and bonds and things

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like that ETFs all of that you know

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putting it putting together portfolio

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which I think that makes me different

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out here because most people selling

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annuities really don't have the

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background and the pedigree um working

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with Investments and working in you know

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for decades and seeing markets go up and

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down and things like that I think

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anything long term is is Good from a Buy

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and Hold standpoint we all have read

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those stories where the person bought

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the stock and they just kind of forgot

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about it and it Rose now we live in a

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market markets now that are 247 365

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they're Global they're connected and

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it's really Vogue to be a Trader and you

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know we read about the hedge funds and

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the private offices and all the family

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offices and all of these Masters of the

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Universe um and it's intriguing you know

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everybody wants to maximize their

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portfolio Etc so when I read about you

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know long-term Investing For Real Estate

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or long-term Investing For stocks or

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long-term investing

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period it's interesting that it's never

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about

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annuities um and the ultimate longterm

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in my opinion is your life expectancy

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how long you're going to live that is

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longterm okay as long as you're

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breathing is longterm as long as your

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breathing is mortality credits as long

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as you're breathing is life expectancy

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that's the longest term you have because

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when you're dead you're dead right I

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mean it is what it is um if you want to

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write that down go ahead that's not

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kidding but you need to look at

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annuities of all types and let's let's

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stop there if you I hate all nties you

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already own one it's called Social

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Security it's the best inflation in on

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the planet if you're so fortunate to get

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a pension if you work for the government

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or state or or a company that provides

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that type of divine Benefit Plan um good

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for you that's an annuity that's a

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lifetime income stream annuity based on

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life expectancy Etc but you need to

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start thinking about annuities as

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long-term

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Investments especially for Lifetime

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income and there's four products that

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solve for Lifetime income when you're

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looking at the annuity category single

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premium immediate annuities for annu for

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income to start immediate obviously the

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word single premium immediate annuities

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then for income starting at a later date

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that's deferred income annuities and

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income writers attached to say a fixed

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index annuity or variable annuity and

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then you have qualified longevity

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annuity contracts which you use Ira

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assets non-roth Ira traditional IRA type

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assets for future pension income needs

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all of those products that I mentioned

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right there you can go to my site at the

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annuity man.com Run quote quotes run

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quotes to show what a you know lump sum

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would pay out or run a quote reverse

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engineered hey I need $1,000 a month how

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much would it take to create that

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payment but those are long-term plays

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you know I'm not sure I call annuities

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Investments their contracts but you're

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investing in the annuity company

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transferring the risk to them to provide

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the contractual guarantee that you're

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trying to solve for I have an acronym

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called pill PR P stands for principal

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protection I stands for income for life

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L stands for Legacy and the other L

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stands for long-term care confinement

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care in my opinion if you don't need to

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solve for one or more of those items in

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the pill acronym principal protection

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income for Life Legacy long-term care

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confinement care then you do not need an

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annuity and I ask people every single

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person I talk to you go to my site at

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the annuity man.com top leand corner is

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book a call link you click that book a

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call link my picture pops up you can

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access my schedule on set of time that

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works for you and I'll call you right on

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the dot and we'll have a 30-minute

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conversation

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but at the end of the day I'm going to

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ask you two questions what do you want

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the money to contractually do and when

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do you want those contractual guarantees

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to start and from there I'm going to

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determine a if you need an annuity and

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if you if you don't fine great I'll tell

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you that and if you do which annuity

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type will solve for that specific

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situation that you're trying to solve

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for that goal most people at the time of

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this taping are either trying to do two

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things they're either trying to protect

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the principal like a CD bu a MGA or

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fixed index annuity for principal

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protection and CD type normal CD type

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returns I say the word normal um not

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current rates but but migga rates are

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pretty good or they're trying to solve

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for Lifetime income okay lifetime income

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is the Monopoly that the that the

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annuity category has period it's the

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only product type on the planet that

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will provide income as long as you are

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breathing there's no Roi until you die

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that's not some fun acronym thing that

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I've come up with that rhymes it's the

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truth I really don't know what that

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return is going to be until you die up

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until then it's a pure transfer of risk

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which leads us back to the best

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long-term investment strategies

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available if you're rational and you're

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honest it has to be lifetime income

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annuities have to be in the same

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category as everything else because it's

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longterm and guess what just like

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everything else it works in your favor

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long term the older you are the better

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you're go the better deal you're going

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to get because um the annuity company's

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on the hook to pay but understand this

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and this is a misconception that a lot

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of people have they'll say why I want to

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buy an annuity because when I die in a

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lifetime income money goes poof and

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inity company keeps the money stand no

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no no no you don't have to structure it

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that way you can structure it you can

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say to me when we schedule call and say

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Hey I want a lifetime income stream from

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for me and the spouse and when the

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second one of us dies I want whatever's

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in that account to go 100% to to my list

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of beneficiaries in the policy I do not

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want that annuity company keeping a

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penny under any circumstance yet I want

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them on the hook to pay regardless of

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how long me and the spouse lives you can

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structure it that way you can have your

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cake and eat it too under that scenario

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meaning that you can give the the

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annuity company that money to hold on to

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with the with the um you know that

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they're going to pay you back as long as

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you live and if you die in a fiery Lear

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Jet crash on it hits the mountain then

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whatever money is left in that account

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goes to the beneficiaries that's a

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long-term transfer of risk investment

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right so do you need everything in

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annuities no of course not you need a

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portfolio that's allocated properly for

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your specific situation and risk

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tolerance remember that annuities are

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risk transfer products you're

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transferring the risk to the annuity

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companies to solve primarily for

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principal protection and or lifetime

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income then you have the Legacy and the

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long-term care that you can do as well

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but most people you know with all these

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people retiring 10,000 Baby Boomers

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hitting 65 every single day it is a

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demographic Title Wave people are

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looking for Lifetime income because most

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people have what's called defined

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contribution plans 401ks 403bs 457s

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whatever that's

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accumulating they have to turn some or

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part or all of that into a lifetime

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income stream when they go to chapter 2

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of their lives not many companies offer

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defined benefit plans which are pensions

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except for the government state

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government or very good labor unions Etc

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that's that's negotiated that and

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there's a handful I think it's less than

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7% of companies at the time of this

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taping offer those type of Pensions and

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the gold watch right you know in the

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past you used to work for the man the

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whole time they gave you the gold watch

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they gave you the pension don't work

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like that anymore you have to hold your

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nose and say you know what I might need

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to get that lifetime income stream

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annuity because remember annuity is the

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only product that can provide a lifetime

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income pension and you got to look at it

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like this it's a personal pension for

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you forget the word annuity it's a curse

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word forget it for a second don't look

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at my hat don't look at this okay forget

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looks like I'm pledging allegiance to

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the annuity flag but anyway don't look

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at that it's it's a personal pension

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it's a lifetime income stream it's

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retirement income insurance it's

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lifetime income Insurance do you have

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that do you have that now do you have

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enough of that who knows with inflation

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coming are you going to need are you

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going to need to Sofer that inflation

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amount for your specific situation using

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a lifetime income annuity payment I mean

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just think about that for a

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second so when we talk about and I read

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all these stories about long-term

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investing and smart people like Terry

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Savage will say yes long-term investing

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works and her friend Warren buffin yes

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she's a friend to Warren Buffett she if

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you go to her site at terrysavage.com

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you can watch her interview with her

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friend Warren Buffett and they'll all

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talk about long-term Investments but

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we're at the point in time now that it's

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time to start talking about lifetime

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income annuities lifetime income

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Insurance retirement income Insurance

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using annuities as part of that

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long-term investment strategy for your

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specific situation because you don't

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want to run out of money and you do want

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to live the lifestyle that you've worked

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hard to to and you've earned it you've

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checked the boxes you scrimped you saved

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and you're now there put that income

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floor in place so you can go to live

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that life that you've always wanted to

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live and that's your motivational talk

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today from Stan the annuity man

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America's annuity agent do me a favor go

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to my site at theanu man.com run quotes

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on our proprietary calculators which are

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the best on the planet get my books

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schedule call do everything don't forget

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to listen to my fun with the nudies

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podcast that comes out on all major

11:28
platforms every Tuesday just type in fun

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with annuities in the search bar of that

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of that Spotify or whatever you listen

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to and you'll hear some of the best

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guest experts and celebrity guests on

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the planet talk about money and

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retirement that's a lot of stuff to

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remember right hey do one more thing hit

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the Subscribe button I'll see you on the

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next stand the annuity Man

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YouTube what's that video

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[Music]