Indexed Annuity
Secure Your Future with Annuities
Enjoy guaranteed income for life and peace of mind with annuities—a safe, tax-smart way to grow your savings without market risk. Turn part of your nest egg into a personal pension and ensure you never outlive your money.
Why Choose Annuities?
- Protection from market downturns
- Guaranteed lifetime income
- Tax-deferred growth
- Flexible options for your needs
Indexed annuities provide a predictable “retirement paycheck,” helping you cover essential expenses and maintain long-term stability—even during market fluctuations. They are an effective tool to diversify your portfolio and safeguard your financial future.
Our College Savings Planning Includes:
- Strategic plans to cover all expenses
- Guidance to teach financial responsibility
- Flexible solutions tailored to your goals
Start building a secure future for your child—and for yourself.
FAQs
What is an Indexed Annuity?
An indexed annuity is a type of annuity product that offers potential returns based on the performance of a stock market index, like the S&P 500. Your investment is not directly in the stock market, but the annuity’s return is linked to the market’s performance, with certain guarantees. It provides a balance between potential growth (through market performance) and protection against market downturns.
How does an Indexed Annuity differ from a Fixed or Variable Annuity?
A fixed annuity provides a guaranteed interest rate, offering stability and predictability. A variable annuity allows for investment in various market assets, which means higher risk and potential for higher returns. An indexed annuity sits in between; it offers the potential for higher returns than a fixed annuity (based on market performance) but with less risk than a variable annuity, due to certain guarantees.
What are the typical fees associated with Indexed Annuities?
Indexed annuities can have various fees, such as surrender charges, administrative fees, and rider charges if you opt for additional features like enhanced death benefits or income riders. It’s important to thoroughly understand these fees before purchasing an indexed annuity, as they can impact the overall return on your investment.
Can I lose money in an Indexed Annuity?
One of the appealing aspects of indexed annuities is the protection they offer against market downturns. Most indexed annuities provide a guaranteed minimum interest rate, which means that even if the stock market performs poorly, you won’t lose your principal. However, if the market performs negatively, you may receive minimal or no interest for that period.
Are Indexed Annuities suitable for everyone?
Whether an indexed annuity is suitable for you depends on your financial situation, goals, risk tolerance, and investment timeline. They are generally best for individuals who are looking for a balance between risk and potential return, particularly those approaching retirement who want to protect their principal while still having growth potential. It’s essential to consult with a financial advisor to determine if an indexed annuity aligns with your overall financial strategy.
Contact WealthWise Solutions today for a personalized annuity consultation and take the next step toward financial security.