Diversifying your clients portfolio with fixed indexed annuities (FIAs) can provide a balance of growth potential and protection. We’ve compiled a suite of tools to help you and your clients understand how an FIA can fit into their overall retirement strategy.
Learn how a Fixed Indexed annuity (FIA) can benefit a retirement strategy
The Zero Perspective
While clients may not experience all the growth a rising stock market has to offer (could be better), they will protect their retirement savings from market loss (could be worse).
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The value of downside protection
Fixed indexed annuities offer your client upside potential with downside protection when it matters most.
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Higher the peak, lower the valley
When it comes to the markets, high rewards also mean greater risks.
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Inverse trigger
For clients concerned about market corrections, the one-year inverse performance trigger crediting method offers a hedge for a portion of their assets.
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How tax deferral adds up to additional earnings
The tax-deferral feature of a fixed annuity uses the power of compounding to help you accumulate more money over the long term.
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Emotional cycles of the market
As the market rises and falls, fear and greed take over. Caught up in emotions, investors end up buying high and selling low.
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Diversified portfolio avoids extremes
Investing in a diversified portfolio can help you steer clear of the extreme highs and lows of the market.
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Sequence of returns risk
Show your clients the importance of WHEN their ups and downs occur.
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Inflation
It’s important to consider inflation in a retirement strategy because it lowers the purchasing power of money, which can affect your clients retirement and lifestyle over time.
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Reimagining the traditional 60/40 portfolio
In the wake of recent challenging investment environments, some market watchers are wondering if the traditional 60/40 portfolio requires reevaluation.
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How indexed account rates are determined
Many considerations go into determining the rate associated with each indexed account, which can be periodically adjusted.
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View moreAn annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to non-qualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals.
The guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.
Diversification is a method used to manage risk. It does not guarantee against lost.
This information should not be considered as tax or legal advice. Clients should consult their tax or legal advisor regarding their own tax or legal situation.
For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.
DOFU 9-2024
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