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- 05-01-25 ARI RAV-Goldco (TPV 2nd) AM
05-01-25 ARI RAV-Goldco (TPV 2nd) AM
Jennifer
May 01, 2025
Dear Patriot,
Yesterday, I laid out how annuities can quietly drain your retirement. But there is one kind that might make sense—a single premium immediate annuity (SPIA).
You pay once, and it starts sending monthly checks right away. No long lock-ups. No phantom “market protection.” Just simple, predictable income.
But watch the red flags: no cost-of-living increases? You’ll lose ground to inflation. Long surrender periods or bonus rates that vanish? You’re being played. And if it doesn’t pay for your spouse too? It dies with you.
Elites use SPIAs carefully—as one piece of the puzzle, not the whole plan.
Tomorrow, I’ll break down the three retirement myths the media keeps pushing—and why you need to ignore them all.
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Fun Fact Of The Day
SPIAs have been around since Ancient Rome, when soldiers received guaranteed payments from the empire after retirement!