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Indexed Annuities offer a powerful way to grow your retirement savings by linking returns to a market index while protecting your principal from losses. You benefit from market upside (up to a cap) with no risk of losing your investment during downturns, making it a smart option for conservative, long-term retirement planning.
An Indexed Annuity is a type of retirement plan designed to offer a balance between growth potential and protection. It allows your savings to grow based on the performance of a stock market index—such as the S&P 500—without exposing your principal to market losses.
Unlike direct market investments, indexed annuities include a guaranteed minimum return and downside protection, meaning your initial investment is shielded even if the market declines. Gains are typically capped, but you benefit from upward trends while avoiding major downturns—making this a dependable tool for conservative investors planning for retirement.
Whether you’re preparing for retirement or already retired, indexed annuities can provide a predictable income stream, peace of mind, and a safeguard against outliving your savings.
Let us help you understand if an indexed annuity fits your retirement strategy and how to make the most of it based on your financial goals.
An indexed annuity is a contract that earns interest based on the performance of a market index (such as the S&P 500), while protecting your principal from market losses.
No, indexed annuities offer downside protection. Your principal is guaranteed and will not decrease due to poor market performance.
Interest is based on changes in a market index, subject to caps, participation rates, or spreads set by the insurance company.
You can choose to receive income immediately (with an immediate annuity) or defer it to a future date (with a deferred annuity), depending on your retirement plan.
Yes, earnings grow tax-deferred until you begin withdrawals, which can help your savings grow more efficiently.
CEO and Founder of Bora Financial Services
Insurance Policies Specialist
These days, it’s especially important to have a trusted professional guiding your choices. With 10 years’ experience, I’ll personally evaluate your situation and needs. Together, we’ll help protect your family’s wealth, lifestyle, and future.
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