THINGS TO CONSIDER

Regardless of where you are in life, it’s always nice to make some extra money in an environment where interest rates are at rock bottom lows.

We have you covered here at SMG, so you can continue to enjoy life in retirement.

You want peace of mind that your money is secure, has the opportunity to grow and will be there when you need it. With our new CD alternative, you can feel comfortable knowing that your money is earning a guaranteed interest rate for a 3, 4, or 5-year period.

Rates on CD’s right now are abysmal.

CD alternatives are now available paying more than 2.4% and higher guaranteed for certain periods.

Tax-Deferred Growth

All earnings will grow income tax deferred until withdrawn. That means money that would have otherwise been used to pay taxes can remain in your account and compound over time.

Ability to Access your Money

CD’s only allow you in most cases to withdraw only interest. With the new alternative, you can do the same plus the ability to withdraw up to 10% in the case of an emergency.

Safety and Security

The interest rate is guaranteed for the entire 3, 4, or 5-year period. After the time period that was selected, you can choose to withdraw your money without any penalties.

Death Benefit

Upon your death, your beneficiaries will receive the full Account Value of your account.