Fixed Index Annuity (FIA)

annuities

A tax-deferred retirement savings product that offers growth potential tied to a market index (like the S&P 500) while guaranteeing your principal is protected from market losses. FIAs are popular for conservative investors seeking guaranteed lifetime income in retirement.

Example

A 60-year-old invests $200,000 in a Fixed Index Annuity. When the S&P 500 rises, they earn interest (up to a cap). When the market falls, their $200,000 principal remains untouched, and they can later convert it to guaranteed lifetime income.

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