At DLBA Holdings, we believe that informed clients make empowered decisions. Our Resources page is dedicated to providing you with up-to-date information on financial products that can help secure your future. One such product is the Multi-Year Guaranteed Annuity (MYGA), a reliable option for those seeking predictable returns 

A Multi-Year Guaranteed Annuity (MYGA) is a fixed annuity that offers a guaranteed interest rate for a specified period, typically ranging from 3 to 10 years. It's an excellent choice for individuals looking for:

• Predictable Returns: Lock in a fixed interest rate for the term of the annuity.

• Tax-Deferred Growth: Taxes on earnings are deferred until withdrawal.

• Principal Protection: Your initial investment is protected from market volatility

MYGAs are particularly suitable for conservative investors and those nearing retirement who prioritize stability over high-risk, high-reward investments. 

To optimize returns and maintain liquidity, consider a MYGA laddering strategy:

1. Diversify Terms: Invest in multiple MYGAs with staggered maturity dates (e.g., 3, 5, 7, and 10 years).

2. Reinvest Upon Maturity: As each annuity matures, reinvest the principal into a new MYGA to potentially benefit from higher rates.

3. Maintain Flexibility: This approach provides regular access to funds while keeping your investment growing.
   
   

Laddering helps balance the need for higher yields with the flexibility of periodic access to funds

At DLBA Holdings, we act as your financial matchmaker, connecting you with trusted advisors who can tailor strategies to your unique needs. Our extensive network ensures you receive comprehensive guidance across various asset classes.

Ready to explore MYGAs further? Contact us to schedule a personalized consultation