When Fixed Annuities Outperform Market-Based Investments
We often hear the phrase “no risk, no reward” in investing. But for retirees and conservative savers, that mindset can be dangerous—especially in volatile or declining markets. Fixed annuities provide a safer, more predictable alternative—and in certain environments, they can actually outperform market-based investments.
Fixed Annuity vs. Market Returns
Let’s say you invested $500,000 into a 5-year fixed annuity paying 5.40%. You’re guaranteed to earn over $150,000 in compounded interest by the end of the term—with no market exposure, no fees, and no guesswork.
Meanwhile, a typical 60/40 portfolio might struggle to keep up, especially in years where stocks underperform or bonds lag. And while equities can deliver long-term growth, they also carry short-term volatility that can be painful if you’re close to—or already in—retirement.
Why Predictability Wins
Fixed annuities are ideal for:
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Locking in multi-year growth
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Protecting principal during market downturns
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Earning tax-deferred interest
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Creating a safe bridge to retirement income
At Diversified Insurance Brokers, we help clients compare the top fixed annuity rates and terms to ensure they get the most value and protection for their money.
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