If your IRA income or retirement income goes down in retirement, so does your lifestyle. Most retirees retire with just enough income to live on and cannot afford to decrease their paycheck by 30-40% in the event of a down market. The market may be up right now but it always goes down again. Can you live on 30% less income for 3 years straight? Did you know that you don’t have to?

A Better Way To Create IRA Income

Usually, there are 6 kinds of investments that are used for retirement. Stocks, mutual funds, bonds, CD’s, annuities, and money markets/cash accounts are the main investments used during retirement. How many of these types do you own? IRA income is then created by a mix of selling investments and drawing interest. The problem is that some of these investments are volatile and go down in value for long periods of time. The one investment that solves this problem and pays enough is often neglected completely.

Annuities can be used to solve the problem, fixed not variable. Variable annuities are basically like mutual funds with the benefits of being an insurance product. They go up and down in value with the market. They have extra benefits like death benefit guarantees and tax deferral.

• Venture Capital Fund Of Funds

• New York State Tax Refunds

• Ing Money Market Funds

• Maverix Funds

• Rates Of Mutual Funds