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The New Variable Annuity for Income
Income in the future for retirees will be a problem. Studies show that 80% of our retirement income will have to be generated from personal savings. A variable annuity can help with this problem.We are in the wave of baby boomers re

tructural bull markets, while SPX is in a structural bear market. The relatively high price of TLT reflects expectations of slower economic growth or recession (i.e. th

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Over the past several months, there has been rotation from cyclical to non-cyclical stocks, which suggests the cyclical bull market is in a late stage. However, there has also been a general rotation between bonds, stocks, and commodities, given financial institution's asset allocations.

The seven-month chart below shows SPX (blue line), TLT (gray line), OIH (black dashed line), and GLD (gold dashed line). In May, SPX OIH and GLD were at high levels, while TLT was at a low level. Over the subsequent two months, SPX OIH and GLD fell sharply, while TLT rose. Most recently, SPX and TLT rose, while OIH and GLD continued the downtrend.

Oil and gold are in structural bull markets, while SPX is in a structural bear market. The relatively high price of TLT reflects expectations of slower economic growth or recession (i.e. the

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as also been a general rotation between bonds, stocks, and commodities, given financial institution's asset allocations.

Oil and gold are in structural bull markets, while SPX is in a structural bear market. The relatively high price of TLT reflects expectations of slower economic growth or recession (i.e. th

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ue line), TLT (gray line), OIH (black dashed line), and GLD (gold dashed line). In May, SPX OIH and GLD were at high levels, while TLT was at a low level. Over the subsequent two months, SPX OIH and GLD fell sharply, while TLT rose. Most recently, SPX and TLT rose, while OIH and GLD continued the downtrend.

Oil and gold are in structural bull markets, while SPX is in a structural bear market. The relatively high price of TLT reflects expectations of slower economic growth or recession (i.e. th

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equent two months, SPX OIH and GLD fell sharply, while TLT rose. Most recently, SPX and TLT rose, while OIH and GLD continued the downtrend.

Oil and gold are in structural bull markets, while SPX is in a structural bear market. The relatively high price of TLT reflects expectations of slower economic growth or recession (i.e. th

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tructural bull markets, while SPX is in a structural bear market. The relatively high price of TLT reflects expectations of slower economic growth or recession (i.e. the inverted yield curve; where long-bond yields are below short-term rates). Normally, oil and gold decline in periods of slow growth or recession. However, many oil stocks have P/Es below 10, while gold is also a hedge for inflation. Also, markets tend to discount prices. So, if oil holds $50 a barrel and gold holds $500 an ounce, for example, oil and gold stocks may stabilize at current prices. Consequently, if oil and gold stabilize at current prices, oil and gold stocks may rise, while SPX falls.

Normally, financial institutions are fully invested in ratios of bonds, stocks, and cash. Currently, it seems, institutions are keeping a relatively small ratio i

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Business communication is a process of transmitting information between different parts of an organization. Organizations use various forms of communications such as in-house magazines, journals, reports and bulletin boards to transmit ideas, thoughts and information.

If you want to make a short trip to travel elsewhere for Christmas or if you want to pay a visit to a distant relative during these festivities, you can request a Christmas loan that can provide you with all the funding you need to pay for the tickets plus buying presents and any other expenses you may think of.

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