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Investing can feel a lot like riding a Roller Coaster.

But unlike the Stock Market you don't leave a Roller Coaster ride upside down.

Volatility is an investment term that describes when a market or security experiences periods of unpredictable, and sometimes sharp, price movements. People often think about volatility only when prices fall, however volatility can also refer to sudden price rises too. There is plenty to unnerve markets and cause volatility, from changes in commerce to politics, to economic outcomes and corporate actions.  When investors are prepared at the outset for episodes of volatility on their investing journey, they are less likely to be surprised when they happen, and more likely to react rationally. By having the mindset that accepts volatility as an integral part of investing, investors can prepare themselves and remain focused on their long-term investment goals.



A registered index-linked annuity (RILA) is a tax-deferred long-term savings option that provides the opportunity for growth and limits exposure to downside risk. Returns are based in part on the performance of an underlying index or indexes, but a RILA is not a stock market investment and does not directly participate in any stock or equity investments. In addition, RILAs also provide an option to convert the annuity into a stream of income payments in retirement through annuitization.


“Forecasts may tell you a great deal about the forecaster; they tell you nothing about the future.” Warren Buffett


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Registered Index Linked Annuities Fixed (RILA) are not suitable for all investors. RILAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. RILAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.