Should You Use a Fixed Indexed Annuity for Growth and Income?
If you’re looking for a retirement solution that offers both safety and potential upside, a fixed indexed annuity (FIA) might be worth a serious look. FIAs have become increasingly popular for retirees who want market-linked growth without the risk of losing principal. Unlike variable annuities, FIAs are not invested directly in the stock market—instead, your returns are tied to the performance of an index, such as the S&P 500, with built-in protection from losses.
FIAs also give you flexibility. You can choose options with income riders that guarantee lifetime payments, no matter how long you live. Or you can grow the value inside the contract tax-deferred, knowing that even in down years, your account won’t lose money due to market drops. With some plans offering bonuses or roll-ups for income riders, the ability to generate predictable, long-term retirement income becomes even more powerful.
Whether you’re approaching retirement or already there, an FIA can be used to diversify your savings, generate guaranteed income, or protect a portion of your nest egg. But with so many options and contract variations, it’s critical to evaluate each plan carefully.
At Diversified Insurance Brokers, we compare FIAs across more than 75 top-rated insurance carriers—helping you find the right balance of protection, growth, and income based on your retirement goals.
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