1 hour ago
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Don Lair
Sun, May 17, 2026 astatine 3:43 PM CDT 4 min read
A escaped steak dinner. A illustration with a greenish enactment climbing past a reddish line. A transportation astir a $1 cardinal concern that becomes $1.5 cardinal acknowledgment to a 54% bonus that "expires successful June." That is the country Mike from Colorado walked into, and it is the country Don McDonald of Talking Real Money has watched play retired for years.
Quick Read
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Fixed indexed annuities marketed with deceptive terminology and misleading charts committedness returns capped astatine 10% annually portion historically delivering 3-5%, with salesmen earning $100,000+ commissions connected $1M contracts that fastener investors successful for 7-10 years.
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The 54% bonus is phantom income that inflates lone a payment basal utilized to cipher reduced payout percentages, creating the illusion of gains portion delivering the aforesaid actuarial worth arsenic a nonstop annuity purchase.
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McDonald's verdict connected the 54% bonus was the enactment that mattered: "You don't get 54%, astatine slightest not successful existent money. Maybe it's benignant of Monopoly money, due to the fact that here's the deal: that 54% can't beryllium taken retired ever, period."
He is right. This transportation is simply a textbook fixed indexed annuity income script, and astir each fig means thing antithetic than what the salesman wants you to think. If you motion believing the marketing, you fastener up a ample chunk of status savings successful a merchandise that pays the salesman astir 10 cents connected each dollar you manus over, past pays you returns person to a savings relationship than the banal market.
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The 4 deceptions hiding successful the greenish enactment
Start with the merchandise name. Mike was told it was a "fixed income annuity." McDonald flagged this immediately: "It's a fixed indexed annuity, not a fixed income annuity. If helium said fixed income, helium is purposefully misleading." A fixed income annuity pays a guaranteed monthly check. A fixed indexed annuity is acold much complex, with returns tied to a marketplace scale with caps, floors, and information rates that astir ever favour the insurer.
Next is the illustration itself. The greenish enactment shows the annuity. The reddish enactment shows the S&P 500. The annuity's returns are capped astatine 10% connected the upside and 0% connected the downside implicit 10 years. Sounds large until you inquire what the greenish enactment really delivers. McDonald's number: "The instrumentality connected indexed annuities has, since they've existed, historically been successful the 3 to 5% scope approximately."
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