By openly addressing both the pros and cons, advisors can build trust and empower clients to make decisions that genuinely ...

Fixed index annuities (FIAs) are insurance contracts that provide retirement income. Growth in an FIA is based on the performance of a stock market index, such as the S&P 500. However, unlike ...

There are several types of annuities, including fixed, variable, and indexed. Each of these types offers different returns and risk levels. Fixed annuities provide a guaranteed return, variable ...

Why fixed index annuities are becoming more popular. Pros and cons of fixed index annuities. What Is a Fixed Index Annuity? An annuity is a contract between you and an insurance company to cover ...

But annuities have several pros and cons to consider before ... Some annuity contracts, typically fixed annuities and indexed annuities, offer guaranteed rates of return. While your rate of ...

The suitability of annuities depends on an individual’s or couple’s financial goals. Here are some pros and cons to be ... Another type of product, a fixed-index annuity, links growth to ...

These are timely questions since the demand for annuities is heating ... It’s riskier than a fixed annuity but can have a higher reward in returns. Indexed annuity: An indexed annuity works ...

The main advantage of fixed index annuities is their protection from downside risk. As many of our clients approach retirement and are no longer accumulating assets, they do not want 100% of their ...

Here’s a break down on some more of the pros and cons of annuities ... Because rates of return for fixed annuities are guaranteed, they provide predictable and a steady stream of payments ...

In particular, fixed-rate deferred annuities — "which ... payments if its investments do poorly," said Investopedia. Indexed annuities: An indexed annuity "offers a rate of return that tracks ...

The biggest advantages annuities offer is that they allow you to sock away a larger amount of cash and defer paying taxes. Unlike other tax-deferred retirement accounts such as 401(k)s and IRAs ...

The primary types of annuities are fixed, which guarantees a fixed interest rate; variable where returns fluctuate with the market; and indexed where returns are dependent on the behavior of an ...