Many investors rely on annuities for supplemental retirement income. While they may seem like a safe choice, annuities often come with significant drawbacks, including:

1. High fees
2. Lower returns
3. No death benefit
4. Limited investment options
5. Dependence on the creditworthiness of the issuer

In the planning chapter of my book, Earn Twice the S&P, I introduce an alternative: create your own annuity.

Here’s how it works:

• Generate 1% per month of your portfolio balance as income. For example, a $2,000,000 portfolio provides $240,000 per year.
• Fund this “annuity” with the Stars Model, which delivers returns of 13-19% per year using a 10% TQQQ / 90% SPY portfolio—or even 17-24% per year with a 20% TQQQ / 80% SPY portfolio.
• Not only do you receive a 12% annual income, but your portfolio continues to grow, sidestepping the typical annuity pitfalls.
  Why settle for less when you can take control of your retirement income? Learn more about creating your own annuity—and maximizing your financial future—in Earn Twice the S&P.