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Subject:  Re: Hybrid Annuity Date:  9/25/2013  10:41 PM
Author:  BruceCM Number:  73320 of 100359

Any money you give to an insurer is not an 'investment'...its a contract. Insurers promise to give you something in the future for a lump sum today. These insurance company 'guarantees' are only as good as the financial health of the insurer

Assuming an average annual inflation rate of 3%, in 10 years, $40,000 will have the purchasing power of $29,700 today.

Remember the 3 laws of the marketplace:
1. No one knows what the future markets will do
2. We all invest in the same marketplace
3. Only the US Treasury can print money

How can the insurer offer value over a diversified portfolio of ETFs?

Answer: They can't

Think about it.

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