The Infinite Retirement Play ♾️

A simple way to enjoy the wealth you've spent a lifetime accumulating... [Shield] AN OXFORD CLUB PUBLICATION [Liberty Through Wealth]( [View in browser]( SPONSORED [Yours Free! Top FIVE Dividend Stocks Right Now]( Marc Lichtenfeld - income expert and author of Get Rich with Dividends - is giving away his Ultimate Dividend Package... completely free of charge! You'll discover... - An "A"-rated, ultra-safe dividend stock with a huge 8% yield - Three of Marc's favorite "Extreme Dividend" stocks, which could supercharge your income - And finally, Marc's No. 1 dividend stock for a LIFETIME of income. [Click here to get the names and ticker symbols now](... before the download link expires. **NO CREDIT CARD REQUIRED!** EDITOR'S NOTE Today, Alexander Green rounds out his series on spending money in retirement. Before we get to that, I'd like to pass along some big news on behalf of our publisher. Due to your continued loyalty to The Oxford Club, [we're inviting you into our Chairman's Circle Class of 2023]( This is a big honor. The Chairman's Circle is our most elite group of Members. And the financial success they've seen is unmatched. There is no doubt that being inducted into the [Chairman's Circle Class of 2023]( could have a big impact on your wealth. But we want to add even more to that. You see... for the first 25 people who accept this invitation today, we're going to provide two free nights at a world-class, five-star resort. [Please take a look at this invitation]( as soon as possible to RSVP and claim this special bonus. [Welcome to the Class of 2023! (Click here NOW.)]( - Nicole Labra, Senior Managing Editor THE SHORTEST WAY TO A RICH LIFE [How to Make Your Retirement Income Last Forever]( [Alexander Green | Chief Investment Strategist | The Oxford Club]( [Alexander Green]( Over the last few columns, I've argued that [too many investors are not spending nearly as much money as they could be](. Studies reveal that most retirees who had $500,000 or more at retirement had spent down a median of only 12% of that money 20 years later or by the time they died. Eighty-eight percent of their wealth remained unspent! Even folks with less than $200,000 saved had spent down only a quarter of their assets after 18 years of retirement. If you die with a pile of money unspent, you wasted a significant portion of your life earning it. Why are so many retirees overly frugal? Because they are afraid of running out of money before they die. No one knows how long they will live, exactly what their expenses will be or how much their future portfolio will return. But [in an earlier column]( I showed readers how they can make reasonable estimates. Those who remain afraid of hitting zero before they die should consider an investment that will make their retirement income last forever. (By forever I mean as long as you draw breath, which is your own personal forever.) I'm referring to single-premium immediate fixed annuities. If you're a longtime reader of mine, you just might be needing CPR right now. Over the past 23 years, I've explained how most annuities are a great deal only for the guy or gal selling them. Yet immediate annuities are an exception. It's important to understand that there are more types of annuities than there are animals in the San Diego Zoo. The sheer mind-bending variety of variable annuities is what allows every insurance salesman to chirp, "But this annuity is different." Indeed, it generally is - but in ways you may soon regret. SPONSORED [Biden Just Signed Death Warrant On Your Freedom]( [Big Brother Watching]( If Biden's Executive Order 14067 comes to pass, a former advisor to the CIA and Pentagon is predicting legal government surveillance of all US citizens; total control over your bank accounts and purchases; and indefinite Democrat control past 2024. He says Covid was a trial run for how to control a population. Dems will use their "pandemic playbook" to silence any dissent. [Click here to see exactly what to do before it happens.]( As I pointed out in [my last column]( variable annuities are among the highest-commission products in the investment universe. They are not FDIC-insured. Withdrawals prior to age 59 1/2 are subject to an IRS penalty. Early withdrawals carry a surrender penalty of up to 10%. And your eventual gains - if you have any - are taxed at your income tax rate rather than the lower capital gains rate. Immediate fixed annuities are different, however. Here's how they work... You hand over a lump sum to an insurer. It then pays you a fixed income every month for as long as you live. That payment is pegged to the amount you contribute, your age and gender, and interest rates at the time of purchase. A visit to Charles Schwab's annuity calculator shows that a man who put $100,000 into an immediate fixed annuity today at age 65 would receive monthly payments that would amount to $7,236 a year until he died. (For obvious reasons, the payout is more if you're older and less if you're younger.) A quick calculation reveals that the payout is equal to a 7.23% yield. How is this possible when bond yields aren't nearly this high? Because neither the investor nor his heirs will ever see the principal again. If you die early, the insurance company wins. If you live a long time, you win. That makes immediate fixed annuities a particularly smart choice for retirees who are nonsmokers, moderate drinkers (or teetotalers), not obese and in reasonably good health. Understand, however, that you are giving up control of the money and - due to inflation - your payments will lose purchasing power over time. Another important consideration: Any insurance guarantee is only as strong as the company that makes it. If you're investing a substantial sum, it makes sense to spread it around among top insurers. Yes, there are state industry-backed guaranty associations acting as a backstop, but they have limits. In a major crisis, they may not cover your insurer's insolvency. (To find your state's limit, [go here]( Immediate fixed annuities are a one-decision investment. If you decide to plunk for one, the only thing left for you to do is maintain the healthiest possible lifestyle. Here's the bottom line... An immediate fixed annuity offers you safety of principal, guaranteed income for life and protection against declining interest rates. There are no account management or maintenance charges. So, for investors who are afraid of running out of money before they die, they are a worthwhile option. You are exchanging a lump sum for regular, guaranteed monthly income. It's like a do-it-yourself pension plan. One that allows you to manage the risk of potentially outliving your assets - and enjoy the wealth you've spent a lifetime accumulating. Good investing, Alex [The Oxford Club's 2023 Private Wealth Seminar at the Edgewood Tahoe Resort in South Lake Tahoe, September 6-7, 2023. Click here to register.]( WEALTH OPPORTUNITIES - ["Super Income" Is Taking the Internet by Storm...]( - [People Paid $4,500 for This #1 Strategy That Wins in Volatile Markets Like These. But You Can Discover It for Yourself Now... 100% Free (Click Here).]( - [Mexican Stocks: A Bull Market South of the Border]( - [Debt and the Dollar: The News Isn't Good]( [Panic?]( [Click here]( to watch Alex's latest video update. 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