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Investing in a Declining Economy: Where to Turn

Posted by svsadm3037 on 01/28/11

The stock market is as uncertain as ever. Interest rates are approaching all-time lows. Some experts claim that a recession is near. Others say that we are already in its midst. We are continuously bombarded with bad news regarding Housing, Sub-Prime Lending, Unemployment, and even the Banking sector of the U.S. market.As an investor, or even a net depositor of funds, what options do you have to ensure a safe, yet wise investment?

Have you considered a Charitable Gift Annuity? A CGA is not for everyone, however, depending on your age and your financial situation, it may be one of the wisest investments that you can make. Let me explain.When you invest in a CGA with Saint Vincent Seminary, you are guaranteed a fixed return on your investment for the rest of your life! And the news gets even better — we can offer you above-market rates.

In many cases we offer a higher return than you would receive, for example, on a Bank Certificate of Deposit. Rates will vary based on your age, and also market conditions at the time of purchase. In addition, when you invest in a CGA with Saint Vincent, you will receive an immediate tax benefit that we will compute for you. In return for paying above-market rates to you, you agree that upon your passing, the remainder of the principal of your investment will become a gift to the Seminary—and will have your name and designation on the gift.You can receive your dividend check monthly, quarterly or even annually.

It will be the same amount each time—independent of market conditions! If you would like to discuss the possibility of a CGA, or even get an idea of the rate you can receive, please do not hesitate to call or email me at paul.whiteside@email.stvincent.edu.

I will be pleased to explain the process and answer any questions you may have.A CGA is a wonderful way to make a gift to Saint Vincent Seminary, yet receive a guaranteed income during your lifetime. Is this the time for you to consider such a gift?

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