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Options Annuity Hedged Equity

  • How to Generate Income Using Options

    Options are often seen as speculation and high-risk trading, but they can also generate income as part of a well-diversified investment portfolio. When managed properly, they can provide additional returns without forcing you to abandon your long-term approach. What Is Options Income? Options are financial contracts which give the buyer… Read More

  • Why Options Aren’t Just for Speculators

    Options trading is almost exclusively associated with highly speculative activity of the most aggressive kind, characterized by excessive risk-taking and short-term trading. Of course options can be used in that manner, but they also have a legitimate place in conservative investment management. Used correctly, they can be a source of… Read More

  • How Covered Calls Generate Additional Income

    Covered calls are a common options strategy for generating additional portfolio income. Rather than depending solely on dividends and capital gains, you can generate income by collecting option premiums on shares or ETFs you already own. How Covered Calls Work A covered call is when you sell a call option… Read More

  • Cash-Secured Puts: Getting Paid While Waiting to Buy Stocks

    Cash-secured puts are an options strategy that lets you collect premium and potentially buy shares or ETFs at a price you’re happy to pay. Instead of buying shares at the current market price, you can use a cash-secured put to collect premium and potentially buy shares at a better price… Read More

  • Buffered ETFs

    Buffer ETFs: A Defined-Outcome Approach to Equity InvestingIf you want stock market exposure but can’t stomach a 30% drawdown, buffer ETFs are worth a look. Sometimes called defined outcome ETFs, these funds use options to give you a known level of downside protection in exchange for a cap on your… Read More

  • What Happens to Your Annuity When You Die?

    Annuities are often sold as a path to financial security in retirement, but many people skip one important question: what happens to the money when you die? That depends on the type of annuity, the contract terms, and the options available for beneficiaries. Your Heirs May Not Receive the Remaining… Read More

  • Understanding Annuity Risks

    At first glance, annuities can seem like a reassuring solution, offering market upside with 100% downside protection. They are trying to sell peace of mind in retirement. That promise, and the peace of mind it offers, comes with meaningful trade-offs. Credit risk. Not backed by the government. Long lock-up periods… Read More

  • Why Surrender Charges Make Annuities Expensive to Exit

    Annuities are often sold as safe, long-term retirement investments that offer guaranteed income and protection against market losses. The only real caveat is the surrender charges. They can be expensive if you decide to take your money out or move it into a better investment, so it’s vital that you… Read More

  • Annuities vs. a Diversified Investment Portfolio

    In retirement planning, the choice is often between buying an annuity and maintaining a diversified investment portfolio. Both can provide you with retirement income, but one can offer you peace of mind in a way the other can’t, and they will differ in cost, flexibility, transparency, and long-term growth potential…. Read More

  • The Truth About Indexed Annuities

    Indexed annuities are often presented as the perfect middle ground between the potential for stock market growth and the prospect of avoiding losses if the market falls. That’s a desirable proposition, but in practice they often offer little upside, use complicated crediting formulas, and impose restrictions the investor may not… Read More