The Case for Fixed Indexed Annuities: The Time is Now

With the stock market swinging wildly and economic uncertainty growing, many investors are looking for safer places to put their money. One highly respected analyst, Jim Rickards, is predicting a massive 40%–50% market correction as early as this June. Whether or not he’s right, one thing is certain: volatility is here to stay.

At the same time, the Federal Reserve’s next move on interest rates is anyone’s guess. If a recession is looming, rates may have peaked—meaning now could be the best time to lock in higher yields on a secure, long-term financial product like a fixed indexed annuity (FIA).

FIAs offer a rare combination of growth potential and safety. Your money is tied to a stock market index, so when the market goes up, you can capture a portion of those gains (with a slight haircut). But if the market tanks? You don’t lose a dime. Insurance companies guarantee your principal and any previously credited gains, meaning your nest egg remains intact no matter what happens on Wall Street.

With a fixed indexed annuity, you’re not rolling the dice on stocks, but you’re also not stuck earning near-zero returns like traditional fixed-income investments. You get the best of both worlds—growth in good times and protection in bad times. And if interest rates have, in fact, peaked, locking in today’s higher annuity rates could be a smart move before yields drop again.

Market downturns have a way of exposing risky strategies. If you’re looking for a way to secure your financial future without the rollercoaster ride, a fixed indexed annuity could be the answer. Why risk your hard-earned money when you don’t have to?

For more details or a personalized consultation, reach out today. Let’s find the right annuity for you!

Darryl Breland, Broker and Owner

Breland Benefits and Insurance