Annuities can play an important role. In order to achieve your financial goals, you need to employ more than one strategy. When planning for retirement, you can’t risk everything and you can’t protect everything. But there is a way you can have some of both.
A Shield annuity from Brighthouse Financial can help you use a portion of your assets to take advantage of market growth with the assurance of a level of downside protection other investment options may not provide. Shield is designed to provide some financial protection in an unpredictable endeavor — investing.
Equities — don’t be afraid, they’re still a great retirement asset. Sure, investing in equities has its ups and downs, but anyone who has looked at historical returns knows the truth. Equities can offer a great opportunity for your retirement assets to potentially grow, which is eye-opening when you look at the numbers.
For example, 5.4%. That’s how much the average investor has underperformed the broader market over the past 20 years. Why? Because investors often sell at the first sign of bad news.1 What about your retirement portfolio? Are your numbers telling this same story?
Shield is specifically built to help you take advantage of some of the potential growth opportunities equities offer. But what about the possibility of a significant market downturn? We’ve got that covered, too. With Shield, balance is built-in so you can enjoy potential equity-like returns while protecting a portion of the assets in your Shield annuity against unforeseen losses.
Pay No Annual Fee
Consider a growth strategy that won’t add to your overall investment portfolio fees. A Shield annuity has no annual fees. Brighthouse Financial is able to realize earnings through the assets deposited in the product. Importantly, any money we earn is not taken from the growth provided by the selected index beyond the Cap Rate and Step Rate specified in the Shield annuity.
Remember that Shield is designed to work over the full length of your term by providing exposure to equities that may help you accumulate funds. But after the first contract year, if a need arises, you can withdraw up to 10% of the account value (as of the previous contract anniversary) each year without a withdrawal charge.2