North Carolina Retirement Income: Guarantees Beat Market Risk
North Carolina Retirement Income: Guarantees Beat Market Risk
When it comes to retirement planning in North Carolina, the old strategy of relying heavily on the stock market is quickly becoming outdated. A recent **McKinsey report** suggests that **only 30% of your retirement income should come from the market**, while the remaining **70% should come from guaranteed income sources** like **annuities and life insurance**.
This advice is especially relevant now, with **interest rates at historic highs**, making guaranteed products more attractive and effective than ever.
Why North Carolina Retirees Are Moving Toward Safety
North Carolina is home to a growing population of retirees drawn to its mild climate, lower cost of living, and quality healthcare. But with longer lifespans and market uncertainty, many are asking:
> *Can I really depend on the market alone for steady income in retirement? *
While the **average market return is around 7.2%**, the **actual compounded growth rate is closer to 5.77%**—and that’s before considering taxes, fees, and inflation. More importantly, **market volatility** and the timing of withdrawals can significantly impact your nest egg.
That’s why a shift toward **guaranteed income** is not just wise—it’s necessary.
The Case for Annuities in North Carolina
With today’s high-interest environment, **annuities are offering guaranteed returns closer to 5%**—nearly on par with the market, but without the risk.
Benefits of annuities for North Carolina retirees
* **Lifetime guaranteed income**
* **Protection from market downturns**
* **Options tailored to your risk tolerance and goals**
Whether you’re retiring in Asheville, Raleigh, or Wilmington, annuities offer peace of mind that your income won’t run out.
Life Insurance: More Than Just a Death Benefit
Many North Carolina residents are also turning to **permanent life insurance** as a tax-smart retirement income strategy.
With properly structured **cash value life insurance**, you can benefit from:
* **Tax-deferred growth**
* **Tax-free income through policy loans**
* **Asset protection**
* **A legacy for your family**
If you’re comfortable with 5% returns, this strategy can **match long-term market growth with much less risk**—and more flexibility.
The Balanced Income Plan for North Carolina Retirees
It’s time to rethink how your retirement income is structured. A more stable, modern approach—backed by McKinsey research—allocates:
* **30% from the market** (growth potential)
* **70% from annuities and life insurance** (guaranteed, stable income)
With strong annuity rates and smarter life insurance strategies, you can build a retirement income plan that gives you **confidence, not guesswork**.
Why Choose Mintco Financial in North Carolina?
At Mintco Financial, we specialize in helping North Carolina retirees create personalized retirement income strategies built on security, clarity, and results. With decades of experience and a fiduciary commitment to acting in your best interest, we focus on solutions that reduce market risk while maximizing guaranteed income through annuities and life insurance.
Whether you’re in Raleigh, Charlotte, Asheville, or anywhere across the state, our virtual planning process makes it easy and convenient to get the expert guidance you deserve—from the comfort of your home.
🛡️ Fiduciary advice
📈 Customized retirement income plans
📞 Real, one-on-one support—not a call center
💻 Virtual or in-person appointments available