Placer Guaranteed Security, Inc.
Position Yourself in a Safe Environment

The majority of our clients at Placer Guaranteed Security are retired, and therefore, while still needing the opportunity for growth, they cannot afford to risk losing their principal. Consequently, we specialize exclusively in providing investment products that allow potential for growth while always protecting principal and gains.

Because of our clients need for safety, we only work with Fortune 500 companies, which include some of the world’s most highly rated and financially secure insurance companies.

Our main product is an Equity Indexed Fixed Annuity. The principal is always guaranteed and gains in any year locked in and protected from any future loss.

These products are linked to the Standard & Poors 500 Stock Index. The difference between these products and mutual funds is that the Insurance Products go up in value when the S&P Index goes up, but when the Index goes down, they do not go down in value along with it. The principal and any accumulated gains remain, even if there is a down year. This guarantees that you can never lose your money or locked in gains.

There is also an annual reset provision in the policies. That means that if the market (S&P 500) goes down in any given year, the starting point for the following year is where the S&P Index ended on the last day of the current year. When the market ultimately heads back up again, you make gains on the way up, rather than trying to regain lost ground as you would with a stock or mutual fund.

The abovementioned products come in 5, 7, and 10 year terms. With any of these products you can withdraw up to 10% per year, every year, after the first year, with no fees being charged. This means that with the 10 year product, for example, you could remove 90% or your money during the 10 year period without payment of any fees. The 10 year products also include a 5% bonus on initial your premium.

These policies grow on a tax deferred basis, so your money grows more tax efficiently. You pay taxes on any gains only when you decide to withdraw them from the account.

Equity Indexed Fixed Annuities are an excellent place for IRA accounts or for any funds where your primary objective is safety and growth.

If you think you will need the funds in the short term, then these are not the correct products for you to invest in.

According to the IRS, and the insurance actuaries, there is a good probability that you will live into your nineties. That means, unlike your parents, you will need to fund a retirement of 30 years or more.

Our experience over the years has told us that one of our clients’ greatest fears is becoming a burden on their children, or having to depend on the state for help in their old age. Consequently, to assure their quality of life, they tend to put their various pockets of money into investment instruments that offer the opportunity for tax efficient growth while also providing guaranteed safety.

Call Placer Guaranteed Security today. We will answer any questions and send you detailed information about our products and services.

James Cochrane
President, Placer Guaranteed Security
The Safe Money People