One of Our Core Principles:

Reasonable Rate of Return**

What is a Reasonable Rate of Return?**

You deserve a reasonable rate of return.** This is one of our core principles. Clients will typically ask us “What is a reasonable rate of return?”** How much do you need to be earning in interest in order to have enough for retirement? We can help you answer this.

senior couple having picnic by the water on vacation what is a reasonable rate of return

The More You Know

At Sue Gordon Retirement Strategies, we strive to educate clients on all their potential options. This way, you can make a choice that’s right for you. What is a reasonable rate of return?**

The goal when gaining interest on your retirement money is lasting through your retirement, as well as compensate for cost-of-living increases. However, you also want your principal amount to be kept safe. This is why investing the money in, for example, stocks may be a less-than-ideal choice as you near (or enter) retirement.

There are products that can get you both reasonable rates of return** and safety. Get in touch with us to find out about these options. You deserve a retirement strategy that you can feel confident in!

What is a Reasonable Rate of Return** with an FIA?

What is a reasonable rate of return?** Although interest rates fluctuate, typically, a fixed indexed annuity (or FIA) can provide you with anywhere from 3% to 6% interest over time.

This range depends on several factors, including:

  • Term of the annuity contract
  • Additional benefits of the annuity
  • The amount placed into the annuity
  • Whether or not you have selected an income rider
  • Policies and conditions set by the issuing insurance company
  • Contact us to learn more!

Not a
"One-Size-Fits-All" Approach

It should be noted that everyone’s financial situation is different. You should meet with us! We can discuss your individual situation, needs, and goals. We may be able to help you improve your strategy.


Risk Vs Reward Balance

Many retirees quickly discover that low-interest accounts simply don’t provide enough income to live on. While your money may be secure in a traditional savings account or a CD, the interest generated may not cover everything you need. However, high-reward investments are also far from ideal. What happens if you put all your money into stocks, and then the market crashes? Will you be able to recover? Or will you need to go back to work? No one wants that.

Ideally, you want to have high enough interest rates to fund your retirement, without the risk of losing everything. This is where certain types of annuities and other life insurance products may be able to help. Want to know if these tools could be right for you? Contact us to set up a no-obligation meeting, so we can talk about them with you.

Scroll to Top