Fixed Indexed Annuities: Growth Without Market Fear

If you're nearing retirement, the last thing you want is a market crash wiping out years of savings. A Fixed Indexed Annuity (FIA) offers a different path.

What Is a Fixed Indexed Annuity?

A FIA is a contract with an insurance company. Your interest is linked to the performance of a market index (like the S&P 500), but your principal is protected by a guaranteed floor.

The Key Feature: A 0% Floor

When the market goes up, you earn index-linked interest (subject to caps, spreads, and participation rates). When the market goes down, you earn 0% — you never lose principal due to market downturns.

Lifetime Income

Many FIAs can be set up to provide a guaranteed income stream you can't outlive. That's something no savings account or CD can offer.

FIA vs. Other Options

• FIA — Principal protection, index-linked growth, lifetime income
• CD — Principal protection, fixed (low) growth, no lifetime income
• Stock Market — No principal protection, unlimited growth potential, no lifetime income

Is a FIA Right for You?

A FIA may be a fit if you:

• Want to protect your retirement savings from market losses
• Are looking for guaranteed lifetime income
• Have a 5–10 year time horizon

Curious if a FIA fits your retirement plan? Book a free consultation.