Annuities Explained

追加: 2026-05-19

[00:00:00]Let's talk about a concept or an analogy that was told to me that made perfect sense on how to think about annuities.

[00:00:06]See, one of my mentors said, "Rodrigo, remember when you first got married and you knew that at one point you would argue with your spouse and there was [music] a big risk of being potentially 100% right, but also potentially being 100% wrong. What if a higher power came to you that [music] day and said, 'Rodrigo, I'll give you the choice.

[00:00:22]Instead of being 100% right and risking being 100% wrong, why don't I guarantee you to be 60% right, but never wrong.'

[00:00:30]So, the other 40% you come up with a mutual agreement and both of you are happy. What would you choose? Now, most men are very prideful and initially would choose the the first one because they would say, 'You know what? This is why she chose me. This is why she picked me. This is why she said yes to me because I know what's right. So, I would rather be 100% right and risk being 100% wrong because I'm never going to be wrong.' But, if you spoke to any man that's been married for multiple years and they look back at having this option, hindsight's [music] 20/20, they would decide, 'You know what? I would rather chosen being 60% right and never wrong.' Why? Because it's important to understand that [music] hindsight is 20/20 and if you're right the majority of the time and never wrong, then the chances of you always winning are much higher than risking having to recover from being in the dog house and being incorrect. So, think about it this way.

[00:01:19]If an annuity can put you in a situation, [music] hindsight, when the market's up, you're 60% going to win. But, when the market's down, guess what? We just move the money to the bench and start all over when the market starts rising. You're going to be in a much better position over time than having to [music] ride the roller coaster of the ups and downs of the market. That's what the analogy is and I believe that it makes perfect sense. So, if you're looking for something to protect your assets and grow when the market's up, but protect you when the market's down, look into annuities.

[00:01:46][music] If you're interested in more information on how that works, just go ahead and comment FIA and we'll send you a PDF on how that would look against the S&P 500. I look forward to hearing from you soon.