Annuities

No, fixed annuities are not FDIC insured. The Federal Deposit Insurance Corporation only covers deposits held at FDIC-member banks, things like checking accounts, savings accounts, money market deposit accounts, and CDs. Annuities are insurance products, not bank deposits, so they fall outside the FDIC’s reach entirely. That said, your money is not sitting unprotected. Each […]

The phrase “no-loss investment” gets thrown around a lot, and most of the time it should make you skeptical. Markets go down. Bonds default. Even savings accounts lost ground to inflation for years. But there are a handful of legitimate financial products designed so that your principal is protected, and a couple of them actually

Turning a retirement account balance into a reliable monthly paycheck is one of the trickier financial problems people face. You’ve spent decades putting money in. Now the job is getting money out without running out. The good news is there are several proven strategies that work, and understanding a few key differences between them can

Yes, you can put an IRA into an annuity, and it’s a strategy that more retirees are considering as they look for ways to generate guaranteed income. The process is straightforward in concept: you roll over or transfer your IRA funds into an annuity contract held within a tax-advantaged account. But the details matter, and

Moving money from a 401(k) into an annuity is one of the more practical ways retirees convert a lump sum into guaranteed lifetime income. The IRS allows this kind of transfer, and if you do it correctly, you will not owe taxes or early withdrawal penalties on the money you move. The operative phrase is

When you’re building a retirement income plan, two options come up again and again: bonds and fixed indexed annuities (FIAs). Both are marketed as conservative, income-producing tools. But they work very differently, and in today’s rate environment, FIAs tend to offer a more practical combination of protection, growth potential, and guaranteed income than bonds alone.

If you are comparing fixed indexed annuities and CDs in 2026, you are probably asking a simple question: where can I get better returns without taking on stock market risk. Rates are still elevated compared to a few years ago, but the way each product earns interest is completely different, and that difference matters more

Fixed indexed annuities are often pitched as a way to turn a lump sum into predictable income. The payout you receive depends heavily on your age at the time you start withdrawals. Older buyers typically receive higher income payments because the insurance company expects to pay out over a shorter time period. That basic math

If you are comparing annuities, you usually land on two options pretty quickly: a Multi-Year Guaranteed Annuity (MYGA) and a Fixed Indexed Annuity (FIA). They look similar at first. Both protect your principal. Both offer tax-deferred growth. But once you get into how they actually work, the differences start to matter. This is where most

A $500,000 retirement portfolio can generate anywhere from about $1,250 to $2,500 per month, depending on how the money is invested, how much risk you take, and whether you want the income to last for life or only for a set number of years. The big mistake is assuming one number fits everyone. A cautious