Safe Money Options

The VRTA Benefit Program has adopted “Safe Money Options” with the idea that we have an obligation to protect our members from the hardship of market loss. Further we hope our guidance will greatly assist in enhancing your retirement experience.

Safe Money comes in many forms: Money Market Accounts, CD’s, Fixed-CD Type Annuities, Fixed Indexed Annuities, to name a few. We highly recommend only safe, fixed annuities in an effort to offer our members maximum protection.

Historically, Money Markets and CD’s have been viewed as a cornerstone for safety. Unfortunately their rates of return often don’t keep up with inflation. In other words, the risk is low, but so is the return.

On the opposite end of the spectrum is the stock market (stocks, mutual funds, 403b’s, 401k’s, Variable Annuities). Here you’ll find possibilities for unlimited growth potential. However, this type of potential growth comes with significant risk. Just ask someone about their stock market experience over the past 10 years. To illustrate this point, please click on the “Risk Tolerance” button at the top of the page.

As an alternative, Fixed-CD Type Annuities and Fixed Indexed Annuities offer the best of both worlds by combining SAFETY with POTENTIAL FOR HIGHER GAINS. Fixed products can actually outpace the stock market over a given period. To see the illustration, please click on the “Safe Money versus The Stock Market” button.

Please take a moment to review each type of annuity explained in this section. To consult with one of our trusted advisors to help guide you toward the most appropriate option for your individual needs, please click here – Contact Me.