BEWARE: Top Ten Investment Scams Re-Cycled for 2022

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Beware Physicians and all Investors
[By Paladin Research]

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Conclusion

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2 Responses

  1. The Myth Of “Free” No-Expense Fixed Or Equity Indexed Annuities
    [Interest Rate Spread Is Still A Cost]

    When investors hold investment accounts subject to an ongoing AUM fee, they can clearly see the expense being subtracted from the account on each statement. Similarly, variable annuities have an explicitly disclosed expense ratio that is subtracted from the account balance on an ongoing basis.

    However, in the case of fixed or equity-indexed annuities, investors only see their contributions into the account, and a return on the account, leading many to believe (and many insurance agents to claim) that such annuities are “free” or have no cost (and that any commissions paid to the agent are “paid by the insurance company, not the client”).

    Yet the reality is that fixed annuities do still have an ongoing cost; it’s just that instead of paying the expenses and compensation to the advisor directly out of the end value of the account each year, the costs are subtracted from the annuity company’s gross returns in the form of an interest rate spread before paying the net remaining return to the investor.

    https://www.kitces.com/blog/the-myth-of-free-no-expense-fixed-or-equity-indexed-annuities-interest-rate-spread-is-still-a-cost/

    OR, according to colleague Mike Kitces, the interest rate spread is subtracted before the remaining yield is invested into options to provide the investor’s participation rate in the index being tracked.

    Dr. David Edward Marcinko MBA CMP™

    http://www.amazon.com/Comprehensive-Financial-Planning-Strategies-Advisors/dp/1482240289/ref=sr_1_1?ie=UTF8&qid=1418580820&sr=8-1&keywords=david+marcinko

    Like

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