Understanding Fixed Index Annuities - Part Four - Kris Keush - NNFE-

Understanding Fixed Index Annuities - Part Four - Kris Keush - NNFE- National Network of Financial Education

This video, “Understanding Fixed Index Annuities - Part Four - Kris Keush - NNFE - National Network of Financial Education,” provides a clear, objective examination of both the benefits and limitations of Fixed Index Annuities (FIAs), making complex retirement decisions accessible for mainstream savers and investors.

Kris Keush opens by outlining the core appeal of FIAs—their ability to offer market-linked growth without the risk of losing principal. By design, FIAs shield your original contributions from stock market declines, establishing a “floor” of zero so you’re never exposed to negative returns. This principal protection, along with tax-deferred growth, makes FIAs popular among conservative investors seeking stable, gradual accumulation. Kris highlights that FIAs have historically delivered higher average returns (3.27%) than typical 12-month CDs (1.76%), combining safety with increased growth potential.

One of the most attractive features Kris addresses is the option for lifetime income. With an income rider, a FIA can be structured to distribute a guaranteed stream of income that the policyholder cannot outlive—offering powerful protection against longevity risk in retirement.

However, the video also spotlights several key drawbacks. Upside potential is often limited by caps and participation rates, meaning that in years when markets surge, the credited interest will be only a share of the total market gains. Liquidity can be restricted: withdrawals above the penalty-free amount (usually 10% during the surrender period) are subject to significant penalties. Kris also cautions about product complexity, emphasizing the need to understand crediting options, riders, and contract terms.

For context, Kris compares FIAs with other major retirement income vehicles. Compared to bonds, FIAs offer higher growth in strong years but lack regular interest payments. Versus dividend stocks, they provide more safety but less growth. When matched against CDs, FIAs come out ahead for growth and tax deferral, while still preserving principal.

Kris closes with real-world examples: principal preservation for conservative retirees, joint lifetime income for couples, or IRA rollovers for enhanced tax benefits and legacy planning. The message: FIAs uniquely blend security and growth, but require careful consideration and professional guidance due to their complexity.

This video is an essential resource for anyone evaluating FIAs as part of a broader, balanced retirement plan.

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@NNFE-KrisKeush
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eBook Links:
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The Truth About Medicare: https://nnfe.aflip.in/79b16fc77b.html

The Truth About Social Security: https://nnfe.aflip.in/bc1e92af6e.html

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