Sponsored by Stonewood Financial
Sponsored by Stonewood Financial
By Cara Beth Walker.
Updated 4:21 PM EST, Tues March 11, 2025.
Planning for retirement is one of the most important financial decisions you’ll ever make. With increasing life expectancy and economic uncertainty, securing a reliable income stream is essential. Annuities offer a powerful solution, ensuring you never outlive your savings. In particular, fixed and indexed annuities provide guaranteed lifetime income, making them attractive options for retirement planning.
Annuities are financial products that offer a steady stream of income over time, commonly used for retirement. Fixed and indexed annuities are particularly appealing for their reliability and growth potential. These options provide retirees with financial security and guaranteed returns while avoiding market volatility.
KEY BENEFITS:
Predictable Payments –Benefit from market-linked growth potential with downside protection. Your cash value earns interest based on an index’s performance, but with built-in floors to protect against losses.
Principal Protection – Your policy’s cash value grows tax-deferred, allowing you to act as your own bank. You can access funds tax-free through policy loans, providing a strategic way to manage wealth efficiently.
Tax-Deferred Growth – Secure your family’s financial future with a permanent death benefit while maintaining control over your wealth.
Estate Planning Benefits – Annuities can be a useful estate planning tool, allowing policyholders to name beneficiaries who can receive the remaining balance upon their passing, often avoiding probate.
Competitive Interest Rates – Fixed annuities often provide higher interest rates than traditional savings accounts or CDs, making them a more attractive option for conservative investors looking for steady growth.
What Are Fixed and Indexed Annuities?
Fixed annuities provide a guaranteed rate of return over a specified period. They function similarly to a certificate of deposit (CD) but often offer higher interest rates and tax-deferred growth. With a fixed annuity, you know exactly how much you will receive, making it a reliable source of income during retirement.
Indexed annuities, on the other hand, are tied to a stock market index, such as the S&P 500. Unlike direct stock investments, indexed annuities provide a balance between risk and reward by offering growth potential based on the market’s performance while also protecting your principal from losses.
Which Annuity Is Right for You?
Choosing between a fixed and an indexed annuity depends on your financial goals, risk tolerance, and income needs. If you prefer guaranteed returns and predictability, a fixed annuity may be the right choice. If you are looking for a balance between security and growth potential, an indexed annuity might be a better fit.
Considerations Before Choosing.
Fixed and indexed annuities offer a powerful combination of security, tax advantages, and income guarantees that make them excellent options for retirement planning. By understanding their benefits and how they align with your financial goals, you can make informed decisions to ensure a stable and prosperous future.
If you’re considering an annuity as part of your retirement strategy, consult with us to determine the best fit for your unique needs.
Happy couple saving for their future.
In the world of financial planning and retirement security, guaranteed income annuities stand out as a reliable solution for those looking to secure a steady stream of income for a specific period.
1. Predictability and Security – One of the most attractive features of a Fixed Term Annuity is the certainty it provides. Knowing exactly how much money will arrive and when allows for better financial planning without the concern of market fluctuations affecting payouts.
2. Customizable Duration – Annuities offer flexibility in choosing the payout period. Some individuals prefer a shorter duration for larger payments, while others opt for a longer term to ensure steady income over an extended period.
3. Protection Against Market Volatility – Unlike other financial options that may be influenced by market changes, Fixed Term Annuities provide a guaranteed payout structure. This makes them particularly appealing for those who prioritize financial stability over high-risk opportunities.
4. Potential for Beneficiary Payouts – In some cases, annuities can be structured to include a beneficiary option. If the annuitant passes away before the term ends, the remaining payments may be transferred to a designated recipient, ensuring that the remaining value does not go to waste.
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