Fixed Indexed Annuities
Growth potential linked to an index, with a floor that protects against market loss.
Fixed indexed annuities credit interest based on the performance of a market index, with a floor that protects your principal from market downturns. This track breaks down the mechanics — caps, participation rates, and crediting methods — without the jargon.
Index annuities do not directly participate in the market, and any guarantees are subject to the issuing insurer's claims-paying ability and are not FDIC insured. Tim can walk through whether one fits your plan in a free, no-pressure review.
What you'll learn
- See how interest is credited from an index without direct market investment
- Understand the floor that protects principal in a down year
- Learn what caps, participation rates, and crediting methods mean
- Compare indexed annuities to bonds and other options
Guides & articles
The Ultimate Fixed Indexed Annuity Guide
How fixed indexed annuities offer growth potential linked to an index while protecting your principal from market loss.
Read the guideFixed Indexed Annuity vs Bonds
Both are used for the safer side of a portfolio, but they behave very differently. Here's how FIAs and bonds compare.
Read the guideVideo lessons
Short video lessons for this track are in production. In the meantime, the guides above cover the same material in depth, and you can explore all resources.
Frequently asked questions
Does a fixed indexed annuity invest in the stock market?
No. It credits interest based on the change in a market index, but your money is not directly invested in the market, so you don't take on direct market losses.
What is the 'floor'?
The floor is the minimum interest credit — typically zero — that protects your principal from market downturns. Any guarantees are subject to the issuing insurer's claims-paying ability and are not FDIC insured.
Why is my return capped?
In exchange for the floor that protects against loss, index annuities often limit gains through a cap or participation rate. This track explains the trade-off.
Ready to Apply This to Your Plan?
Schedule your complimentary, no-pressure Retirement Income Review with Tim. Call (727) 692-5866 or book below.