fixed index annuity

1. Fixed Indexed Annuities - Are They A Good Investment? Fixed index annuity are excellent investment vehicles as they do allow you to enjoy the benefits of market linked interest but without being affected by market risks. These annuities are also referred to as equity annuities and are investments that are insured and which are going to be tied to the interest rate which in turn are affected by the way that the main stock market index grows. S & P 500 is an example of these indexes. When the S & P 500 goes up your account will be credited by the insurance company. However, the insurer will also first subtract its own cut from the amount that is to be credited to your account. On the other hand, if there is a fall in the S & P 500 then the insurer will protect the amount that you have invested against any possible losses with a reduced though positive rate of interest. These features have ensured that this kind of investment vehicle is safe and therefore more popular. Fixed index annuities do combine the safety of a guaranteed rate of interest with the chance to earn extra interest which is linked to returns on particular indexes. There are several good reasons to opt for this kind of investment. For one, you will get to take advantage of many income options. You have the right to pick the time to make your investment and you can also choose the guaranteed income option. These investments will also provide you with death benefit defense. The value of such an investment (which includes the interest that has accumulated minus withdrawals) will be put into the hands of your beneficiaries in case you pass away before you have received your income payments. There are different kinds of fixed index annuities. Each annuity is different to the other. You can opt for the S & P 500 index and you can also choose a combination of different indexes. You also get to choose how as well as when the interest (index linked) is measured as well as credited into your account. All this goes to show that fixed index annuities are there to provide you with a steady and guaranteed growth rate over a longer duration and you can also benefit from getting higher accumulation which will be linked to a particular index. Such an investment option suits those who have already retired and also those who are about to retire. The main benefit that you get from opting for this kind of investment is that you can grow your assets in a safe manner. Fixed index annuities are basically a mix of investment with insurance and are unlike other kinds of annuities in the manner in which the interest is credited to your account. These annuities will credit the interest to the holders account based on how a certain index moves. These investment vehicles provide you a greater degree of safety but at the same time you also have the chance to get interest that is more than the fixed rate of interest. All that you have to hope for is that the equity index grows sufficiently to help you get better rates of interest.

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