There are several types of annuities.

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A fixed annuity guarantees to return your principal investment, plus a fixed interest rate. Fixed annuities provide fixed interest for a specified period of time. Fixed annuities give the predictability and stability of knowing exactly how much interest you’ll receive, so you can properly plan for your retirement. They are also very low risk, and help protect your money from market loss.

Fixed index annuities don’t pay a fixed interest rate. You can select a variety of way to provide for returns. Fixed index annuities base your interest rate on a stock market index, such as the S&P 500 or the NASDAQ. Although your rate is based on an external index, you are not actually participating in the stock market. This means that while there are limits to how much you may earn, fixed index annuities are low risk. With fixed index annuities, you get the same safety and stability as fixed annuities, but with the potential for higher returns.

Variable annuity, provides the greatest possibility for returns, but also comes with the most risk. These annuities grow tax free based on a combination of mutual fund investments that you select. Since you are invested in the market, you are exposed to the market’s ups and downs, which means you have the possibility for greater returns, but also the possibility of loosing money.

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An annuity will allow you to open up your options and security in regards to your portfolio. Annuities encompass tax deferral, death benefits for beneficiaries and even an income for life. Depending on which annuity option you choose to implement, you may have the opportunity to match an external index without taking part in the selected index. This means that you may be able to obtain gains without being unprotected in the market. Annuities are backed by the claims-paying capability of the issuing insurance company. Make sure that you evaluate the evaluations and financial strength of the company you select.

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With an annuity, you can have a peace of mind in retirement.