Downside Protection
Market ups and downs can make retirement planning stressful. Certain annuities offer full or partial principal protection, helping ensure your income lasts throughout retirement. Some options also provide growth potential during positive market conditions, balancing safety and opportunity.
Fixed Annuities
Guaranteed Returns for Your Savings
Key Features
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Offer a pre-established, guaranteed rate of return for a set period
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Choose from a variety of timeframes to match your retirement plan
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At the end of each period, withdraw your savings or start a new guaranteed term at current rates
Fixed Indexed Annuities
Growth with Principal Protection
Key Features
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Provide growth tied to market indices, such as the S&P 500®, over different time horizons
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Earnings grow tax-deferred and are subject to index caps
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Protect your principal from market downturns while preserving retirement savings
Registered Indexed Linked Annuities
Limited Risk with Upside Potential
Key Features
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Offer tax-deferred growth linked to market indices
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Provide limited downside protection using buffers or floors
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Principal is only at risk if market losses exceed the buffer or floor, with higher upside potential than fixed indexed annuities
Important Notes
- Registered Indexed Linked Annuities may experience losses if the index declines more than the level of downside protection.
- A buffer limits your exposure to losses—only returns beyond the buffer affect your principal.
- A floor guarantees a minimum interest rate even if the index return is negative.
- Always review the costs, risks, and features with your advisor before purchasing an annuity.