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Most of my business is working with financial advisors so it was a fair assumption by the way you worded your post.
Indexed annuities don't have fees (unless you're talking about riders).
Your issue with doing this will be the favorable pricing that the annuity carriers can get on those components vs. the DIY approach.
The FIA carriers are the same ones issuing the MYGA. If you're trying to use a MYGA as the "zero bond" in this example, you're already playing catch up.
This x1000
Unless you get institutional pricing on Options, you are playing catchup.
Unless you get institutional pricing on Bonds, you are playing catchup.
Using a MYGA puts you behind because it's just being backed by Bonds (at institutional pricing). And a team of traders who trade Bonds all day every day.
There are FIAs that can capture up to 14% of the S&P 500 gain... with a 0% Floor and no fees.
It would be close to impossible do replicate that in the retail market using current Option and Bond pricing.
No FIA takes into account dividend reinvestment on the index.Is that 14% of SP 500 gains take in to consideration dividend reinvestment as well? What FIA is this you speak of.
Is that 14% of SP 500 gains take in to consideration dividend reinvestment as well? What FIA is this you speak of.
No FIA takes into account dividend reinvestment on the index.
He's talking about Oceanview.