MONTE CARLO


		WEALTHGUARD FINANCIAL ARCHITECTS ADVANCED ANNUITY RETIREMENT PLANNING

Monte Carlo simulations have been around for more than 50 years, but only with advances in low-cost computing power have they expanded beyond the scientific community.

WEALTHGUARD, takes a Monte Carlo approach, as does the retirement income calculator built by mutual-fund manager T. Rowe Price Associates.

Says Moshe Arye Milevsky, finance professor at York University in Toronto: ''In five years, all financial planning will Monte Carlo.''

	MONTE CARLO
	No More Gambling! We are not talking about taking your life savings to a casino in Las Vegas. Monte Carlo is a mathematical model called Monte Carlo simulation used to forecast retirement planning. A Monte Carlo simulation is a far more realistic measure of financial risk and reward than any of the traditional financial planning alternatives. Even more important, Monte Carlo gets people thinking about investment and long-term planning in terms of probability rather than certainty. ''It may be less a mathematical model and more an attitude,'' says Greg Anderson, professor of mathematics at the University of Minnesota. And once you think through the odds, you can make a smarter calculated bet.

A Monte Carlo Simulation gives you a more realistic projection by showing a range of values over a period of time. The combination of Monte Carlo and the power of an fixed indexed annuity substantially increasesthe percentage of success over time when looking at the results of the the SP500 index Vs an SP500 annuity strategy (with a high rated strategy) from January of 2000 to 2006 is dramatic.

2000 - $100,000 2006 - $84,961

Just look at the chart to the left. The SP500 over this time period did not do very well. Click the link below to see the results of a basic report

2000 - $100,000 2006 - $126,927

This chart shows the result of one of the best Index Annuities offered over the same time period. With the right indexed annuity plan, this period of time beat the SP500 index. Click below to view the report.