The pros and cons of fixed and indexed annuities

November 5, 2016 by Stephan R. Leimberg

The risk and return characteristics of fixed and variable annuities are so fundamentally different that each type is more or less suitable for various purposes.

However, some form of annuity would be indicated in the following circumstances:

1. When investors want a retirement income that they can never outlive.
2. When investors (often retired) want a monthly income equal to or higher than could be generated by other conservative investments and are willing (or especially if they want) to liquidate principal.

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Originally Posted at LifeHealthPro on November 4, 2016 by Stephan R. Leimberg.