The Magic Annuity
Learn About Risk Free Investing
WHO ARE WE?
FHRI & affiliates have served over 1,000,000 Public School employees and private individuals since 1978.
NEVER LOSE PRINCIPAL
Our product recommendations ALWAYS GUARANTEE YOUR PRINCIPAL OR GAINS!
PAY NO FEES
Zero funds will be taken out of your principal and earnings. ZERO FEES!
5% TO 10% UPFRONT BONUS
Bonuses Perform MAGIC and over time make a BIG difference in returns!
OUTPERFORM MUTUAL FUNDS
Over 20 years, the typical Magic Annuity has out performed the typical Mutual Fund Investor!
Minimize Tax Exposure, control how and when taxes are paid!
PENALTY FREE ACCESS
Many options to access cash before retirement without tax or other penalties.
HUNDREDS OF PRODUCTS
Over 50 Investment Providers and hundreds of products to choose from!
We assist you in ﬁnding the MAGIC Annuity that ﬁts your exclusive needs!
Customers Love the RISK-FREE MAGIC Annuity
Don’t Believe The Hype About Mutual Funds!
According to a new study by DALBAR, the ﬁnancial community’s leading independent expert for unbiased ratings and performance evaluations, the typical investor in equity mutual funds has gotten only a 3.88% annual return… over the last 20 years! The average investor in asset allocation mutual funds (which spread your money among a variety of classes) earned only 1.87% per year
Quantitative Analysis of Investor Behavior report by DALBAR, 20-year period ending December 31, 2018.
Stop Paying Fees!
12b1 Fees, as high as 1.5%, Assets Under management Fees as high as 2%, Money Management Fees another .25 to .5% ZERO FEES = Higher Returns
Better ﬁnancial results than Mutual Funds with NO RISK TO PRINCIPAL AND EARNINGS! It’s even possible to beat the market over time with the right MAGIC Annuity strategy.
Calculate your bonus and first year return
John Bogle On Mutual Funds
Founder of Vanguard Mutual Funds (The largest in the world)
The Financial and Health Research Institute (FHRI) was established in 1998 as a stand alone professional membership organization connecting consumers with ethical and licensed financial professionals. FHRI is now a Division of The Lotter Group, one of the largest providers of certain employee benefit services to Public School systems, having served over 1,000,000 public and private individuals since 1978. FHRI continues to connect consumers to financial professionals who are committed to RISK FREE, NO FEE investing.