Most consumers love FDIC-insured CDs, largely because of their perceived safety. But is this "safe money" equally secure from the effects of inflation and taxation?

You'll see that CDs netted 1% or more "real" growth in only three of the past 10 years. And just as often, CDs lost money after inflation and taxes! The numbers speak for themselves.

Year	CD rate	Less top federal tax rate	Less inflation	Real return after taxes and inflation
1995	6.16%	39.6%	2.54%	1.15%
1996	5.61%	39.6%	3.32%	0.07%
1997	5.87%	39.6%	1.70%	1.81%
1998	5.58%	39.6%	1.61%	1.73%
1999	5.59%	39.6%	2.68%	0.68%
2000	6.79%	39.6%	3.39%	0.69%
2001	3.69%	39.1%	1.56%	0.68%
2002	1.81%	38.6%	2.38%	-1.24%
2003	1.25%	35.0%	1.80%	-0.97%
2004	1.75%	35.0%	3.94%	-2.70%

How do bank CDs compare to certain annuities where your principal is 100% guaranteed and your growth tax-deferred?

To find out, call G. Glenn Yeats, Senior Vice President, direct @ (804) 986-8854; or e-mail him @ ggy@fsi-ltc.com.

Request your free review today. We will provide you with a free comparison tailored to your situation so that you can make an informed decision.

Sources: Lipper Inc., Internal Revenue Service. Inflation rates are based on the Consumer Price Index (CPI) a measure of change in consumer prices as determined by the U.S. Bureau of Labor Statistics. © Ibbotson Associates Inc. All rights reserved. Used with permission. Past performance is no guarantee of future results.

Did you know that if the value of your retirement assets dropped 20% to 40% during the last three years, it will require gains of up to 67% over approximately the next 8 and 1/2 years...just to break even...and not counting inflation?

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