by John Darer CLU ChFC MSSC CeFT RSP CLTC
Now is the time to make good use of stuctured settlements and build enduring 
guaranteeed income streams
Compelling yields in Excess of 5% are possible on intermediate and long term cash flows. On November 1, 2022 for example, I locked-in a 10 year certain plan with a 5.7% Internal Rate of Return with a daily rate from United States Life Insurance Company in the City of New York.
So what does 5.7% tax-free mean?
Taxable Equivalent Yields at Different Hypothetical Tax Rates
15% 6.705%
18% 6.951%
28% 7.916%
31% 8.261%
33% 8.507%
40% 9.500%
50% 11.400%
See expanded taxable equivalent yield chart
What about investing in the Stock Market?
Well you're not going to put all your eggs in one basket are you? But let's say you did and if you had the fortitude to stay in the S&P 500 from January 3, 2000 to December 31, 2021 you would have averaged 9.52%.
However, if you missed just the 20 biggest trading days in the S&P 500 from January 3, 2002 to December 31, 2021 you would have averaged only 2.6%. If you missed the 30 biggest trading days the averag would onl have been 0.43% (and it goes downhill from there), according to the J.P. Morgan Asset Mnaagement 2022 Retirement Guide published March 3, 2022 p 44. Read Structured Settlement Rate of Return Compared to Alternative Investments (4structures.com) for more details.
Note: Structured settlement rates vary by insurance company and other factors such as duration. Read more about structured settlement quotes