Retirement Talk Podcast Episode

132. Why Fixed Index Annuities are Back

November 30, 2022
Fixed index annuities

We’ve experienced a lot of market volatility this year and a tremendous rise in interest rates, and people are looking for ways for their dollar to grow to combat inflation. As people explore options for diversifying their portfolio, annuities are becoming a part of that conversation more and more. 

In this episode, Laura Stover, RFC® and Darlene Tucker, CFP® will discuss the pros and cons for Fixed Index Annuities (FIA) and use a recent article by David Blanchett to do that. The FIA is a means by which an individual can participate in the gains in the market when it’s going up without actually taking any market risk. And when bond yields are low, the caps on FIAs are going to be relatively low as well. But now that those caps have risen to a level that can provide a nice rate of return, more people are exploring FIAs for income.

If you want to know how an annuity might fit into your income plan, join us to learn more about FIAs and the reasons why they can provide downside protection, capture some upside potential, and even provide tax deferral as we approach the end of the year. 

Redefining Wealth® Custom Blueprint Income Plan: https://redefiningwealth.info/schedule/

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Timestamps (show notes):

2:20 – Background on our discussion today

6:05 – What is a Fixed Index Annuity

9:20 – The demand for FIAs increasing

13:33 – Properly allocating funds to annuities

20:53 – How a fiduciary will help you through this decision

24:30 – Tax deferral to end the year

 

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