Discover how a Fixed Indexed Annuity (FIA) can shield your principal from market losses while crediting interest from a market index—so you can grow steadily without riding every dip.
Learn:
- How FIAs credit interest (index linkage with floors, caps/participation)
- Why principal protection matters near and in retirement
- FIA vs. CDs: tax deferral, long-term performance, income options
- Access rules (typical 10% penalty-free, surrender schedules)
- Roth conversion ideas: turning protected growth into tax-free income
- Clear visuals: down-year protection, 10-year comparison
Who this is for?
Pre-retirees and retirees who want steady, tax-efficient growth, protection from big drawdowns, and the option to create lifetime income.
Mini-FAQ
- Is my money in the stock market? No—your principal isn’t invested in equities; interest is credited based on an index.
- Can I lose money? Market losses don’t reduce your account value, resulting in guaranteed principal protection. Gains are also locked in each policy year.
- How liquid is it? Many FIAs allow up to 10% annual penalty-free withdrawals before annuitization; full liquidity is subject to the contract’s surrender period.
- What about taxes? Growth is tax-deferred; taxes apply when you withdraw earnings from non-qualified contracts.
- Can it pay income for life? Yes—optional income riders can create a guaranteed retirement paycheck.