Intelligent Quant By Beratung
Treasury Bond Yields
1-Year Treasury Bond: 4.05%
5-Year Treasury Bond: 4.21%
10-Year Treasury Bond: 4.34%
- Future Rates Subject to Change
- Short Term Income Only
VS
Next-Gen Annuities
Income: 5.2% – 14.6%
Often 2-3x Quality Bonds
- Guaranteed for Life
- Protection From Market Risk
- Protection for Heirs
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Without Secure Income, It’s You vs. the Stock Market
Sequence of Returns Risk:
The Hidden Threat That Could Drain Your Retirement Savings…
Sequence of Returns Risk is the danger that market downturns early in retirement can permanently reduce your portfolio’s value—even if the average return over time seems reasonable.
Unlike during your working years, where you can ride out market ups and downs, in retirement you are withdrawing money without the support of your pay check.
Many retirees rely on bonds for stability, but bonds often fail to provide enough income, and their returns don’t keep up with inflation. That’s why more smart retirees are choosing Next-Generation Annuities, which can pay double or even triple the income of bonds, with guaranteed income rates ranging from 5.2% to 14.6%, depending on age and deferral period.
Why Income Matters in Retirement
Imagine two retirees, John and Sarah, both starting retirement with $1 million that now lives in their Rollover IRA from their 401(k).
- John keeps his entire portfolio in the markets and needs to withdraw $50,000 per year for income to maintain his lifestyle.
- Sarah, who’s 64, moves $500,000 into a Next-Gen Annuity and defers it 4 years for her planned retirement at of 68. With her age and deferral period, her annuity ends up providing a guaranteed $52,062 per year for life. She puts the other $500,000 in an investment portfolio similar to John’s.
Both experience the same market conditions, but the outcomes are dramatically different. Review the example numbers in detail below.
Retirement Comparison: John vs. Sarah
John’s 30-Year Fixed Withdrawal Scenario
John keeps his entire portfolio in the markets with the plan to withdraw $50,000 per year. He starts with a total portfolio of $1,000,000 (all in market investments) and no annuities. Without a guaranteed income, market downturns combined with fixed withdrawals quickly erode his savings—resulting in a complete depletion of his funds after 20 years.
John’s Fixed Withdrawal
Market Investments: $1,000,000
Next-Generation Annuities: $0
Total Starting Portfolio: $1,000,000
| Year | Market Return | John's Investment Portfolio | John's Annual Withdrawal |
|---|---|---|---|
| Start | — | $1,000,000 | — |
| 1 | -20% | $750,000 | $50,000 |
| 2 | -10% | $625,000 | $50,000 |
| 3 | 15% | $668,750 | $50,000 |
| 4 | 8% | $672,250 | $50,000 |
| 5 | -5% | $588,638 | $50,000 |
| 6 | 12% | $609,274 | $50,000 |
| 7 | 6% | $595,830 | $50,000 |
| 8 | -3% | $527,956 | $50,000 |
| 9 | 10% | $530,751 | $50,000 |
| 10 | 7% | $517,904 | $50,000 |
| 11 | -15% | $390,218 | $50,000 |
| 12 | 5% | $359,729 | $50,000 |
| 13 | 9% | $342,105 | $50,000 |
| 14 | -8% | $264,736 | $50,000 |
| 15 | 6% | $230,620 | $50,000 |
| 16 | 12% | $208,295 | $50,000 |
| 17 | -4% | $149,963 | $50,000 |
| 18 | 10% | $114,959 | $50,000 |
| 19 | 8% | $74,156 | $50,000 |
| 20 | 5% | $27,864 | $50,000 |
| 21 | -6% | -$22,136 | $50,000 |
| 22 | 9% | -$72,136 | $50,000 |
| 23 | 7% | -$122,136 | $50,000 |
| 24 | -5% | -$172,136 | $50,000 |
| 25 | 8% | -$222,136 | $50,000 |
| 26 | -2% | -$272,136 | $50,000 |
| 27 | 10% | -$322,136 | $50,000 |
| 28 | -3% | -$372,136 | $50,000 |
| 29 | 6% | -$422,136 | $50,000 |
| 30 | -1% | -$472,136 | $50,000 |
| End | — | -$472,136 | $1,500,000 |
Left in Portfolio: $0
Ran out of income: Year 20
Total Income Shortfall: $472,135
What happened to John? He relied solely on his stock portfolio for retirement income. Without the safety net of a Next-Gen Annuity, market downturns and fixed withdrawals depleted his portfolio, and after 20 years, he was left with nothing.
Sarah’s 30-Year Annuity + Growth Scenario
Market Investments: $500,000
Next-Generation Annuities: $500,000
Total Starting Portfolio: $1,000,000
| Year | Market Return | Sarah's Investment Portfolio | Sarah's Annuity Income |
|---|---|---|---|
| Start | — | $500,000 | — |
| 1 | -20% | $400,000 | $52,062 |
| 2 | -10% | $360,000 | $52,062 |
| 3 | 15% | $414,000 | $52,062 |
| 4 | 8% | $447,120 | $52,062 |
| 5 | -5% | $424,764 | $52,062 |
| 6 | 12% | $475,736 | $52,062 |
| 7 | 6% | $504,280 | $52,062 |
| 8 | -3% | $489,151 | $52,062 |
| 9 | 10% | $538,067 | $52,062 |
| 10 | 7% | $575,731 | $52,062 |
| 11 | -15% | $489,372 | $52,062 |
| 12 | 5% | $513,840 | $52,062 |
| 13 | 9% | $560,086 | $52,062 |
| 14 | -8% | $515,279 | $52,062 |
| 15 | 6% | $546,196 | $52,062 |
| 16 | 12% | $611,739 | $52,062 |
| 17 | -4% | $587,270 | $52,062 |
| 18 | 10% | $645,996 | $52,062 |
| 19 | 8% | $697,676 | $52,062 |
| 20 | 5% | $732,560 | $52,062 |
| 21 | -6% | $688,606 | $52,062 |
| 22 | 9% | $750,581 | $52,062 |
| 23 | 7% | $803,122 | $52,062 |
| 24 | -5% | $762,966 | $52,062 |
| 25 | 8% | $824,003 | $52,062 |
| 26 | -2% | $807,523 | $52,062 |
| 27 | 10% | $888,275 | $52,062 |
| 28 | -3% | $861,627 | $52,062 |
| 29 | 6% | $913,324 | $52,062 |
| 30 | -1% | $904,191 | $52,062 |
| End | — | $904,191 | $1,561,860 |
Investment Portfolio Size (Growth): $904,191
Ran out of Income: Never
Total Guaranteed Income From Annuity: $1,561,860
Why Did Sarah Do Better? Sarah split her $1,000,000 portfolio by investing $500,000 into a Next-Gen Annuity, ensuring a guaranteed income while retaining $500,000 in the markets. As a result, her portfolio recovered and grew over time, leaving her with financial security and continuous income.
Key Takeaways
- John’s Strategy: Relied solely on market investments with fixed annual withdrawals. His portfolio was depleted by Year 20, resulting in a $472,135 income shortfall.
- Sarah’s Strategy: Combined market investments with a Next-Gen Annuity for guaranteed income. This balanced approach resulted in a final portfolio of $904,191 and a total guaranteed income of $1,561,860.
- These scenarios are hypothetical and serve as an illustration of the benefits of diversifying retirement income strategies.
Note: Actual outcomes may vary based on market conditions, product specifics, and individual circumstances.
Intelligent Quant By Beratung Explains Why This Happens in Retirement
Understanding the Impact
During the accumulation phase, early market losses don’t matter as much because you are still contributing and can recover. However, once you start withdrawing money, early losses permanently reduce your portfolio’s ability to recover.
This is what happened to John in our example. He was withdrawing from his investment portfolio for income. Sarah, however, started with a smaller investment portfolio, but never had to withdraw from it for income. Instead, she relied on guaranteed income from her next-gen annuity. As a result, her investment portfolio grew.
If John hadn’t retired, still had his salary, and didn’t have to draw from his investments for 30 years, the sequence of returns would have resulted in a substantial portfolio. However, because he retired and no longer had another income source, his portfolio depleted far too early.
In the past, investors have tried to turn to bonds—but bonds simply don’t pay enough, and their low yields can’t compensate for market downturns. Why accept less income when you can get more without any additional risk?
How Next-Generation Annuities Solve This Problem
You can’t control the market, but you can control how much risk your retirement income is exposed to. Instead of relying on low-yield bonds, Next-Generation Annuities provide:
- Intelligent Quant By Beratung Assures You A Guaranteed Lifetime Income: No matter what happens in the market, you continue receiving income for life.
- Intelligent Quant By Beratung Gains You Higher Payouts Than Bonds: Depending on age and deferral period, next-gen annuities can pay income from 5.2% to 14.6%—often double or triple the income of bonds.
- Protection from Market Loss: Your principal is safe, and your income is locked in.
- Legacy Protection: Unlike outdated annuities, your money doesn’t disappear when you pass—it can be passed to heirs.
The Future of Retirement Income Starts Here with Intelligent Quant By Beratung
Next-Generation Retirement Annuities are redefining retirement planning. Today’s retirees are seeking advanced income solutions—because while markets go up, they also come down. When they do, you need a stable, reliable income that lasts through thick and thin. The issue? Bonds don’t pay enough, and pensions have largely disappeared.
Studies from MIT, Wharton, and more confirm that lifetime income annuities fill this gap. Today’s NEXT-Generation Retirement Annuities can provide permanent income, often double or triple that of quality bonds—AND, like a pension, the income is inexhaustible. Unlike old annuities, these modern options protect your heirs, meaning the insurance company doesn’t keep your money when you pass.
But how do you find the right one? TheIntelligent Quant By Beratung Team® Annuity Comparison System™ empowers you to review over 1,200 annuities with an experienced Fiduciary Planner. This opportunity could help strengthen your 401(k), 403(b), 457, TSP, or IRA Rollover—enabling you to achieve a safe lifetime income rate between 5.2% and 14.6%, depending on your age and deferral period.
Our proven fiduciary approach puts you in the driver’s seat—with no sales pressure, ever.
Schedule a Meeting More InformationImportant: Annuities from legal reserve life insurance companies are licensed and audited in all 50 states. The right annuity can provide more than enough lifetime income, protect you from market loss, and safeguard your heirs. By comparing your options, you can find the one that best fits your retirement goals.
Lifetime Income
5-14.6%
Annuity Bonus
7-30.9%
Next-Generation Annuities: More Income, More Control
Enjoy fixed income for life—like a pension—but with full control over your money. Unlike old-style annuities, the insurance company won’t keep your money when you pass.
In the past, the only way to get lifetime income from an annuity was to “annuitize”—meaning you had to give up your principal in exchange for income. That idea is dead and gone.
Thanks to the Guaranteed Lifetime Withdrawal Benefit (GLWB), there’s no need to annuitize anymore. For those who want to Retire and STAY Retired with lasting high income, Next-Generation Retirement Annuities provide the answer.
These newer Next-Generation Annuities can far outperform quality bonds by two or three times. Depending on age and deferral period, they can provide a permanent income rate of 5.2% to 14.6%—guaranteed for life.
But here’s the key: it’s all about finding the right one. Some Next-Generation Annuities pay up to 40% more than others, making it crucial to compare options with an experienced Fiduciary—preferably an Accredited Investment Fiduciary® and a Certified Annuity Specialist®.
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