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Home » Financial Services » Annuities » Fixed Index Annuities

Fixed Index Annuity

One of the challenges of retirement planning is figuring out exactly how much money you need to save to maintain your desired standard of living for an indeterminate amount of time. Annuities work well for many people because they guarantee a specific amount of income regardless of the state of the market. Here at Harlow Wealth Management, we offer several types of annuities to our clients, including fixed index annuities. Here is some important information about this type of product.

What Is a Fixed Index Annuity?


A fixed index annuity guarantees a minimum interest rate, like a fixed annuity, but has an additional feature: your contract can earn interest at a higher rate based on an external market index, such as the Dow Jones, without actually participating in the market. Two important aspects govern the potential interest rate of fixed index annuities: the floor and the cap. The amount of interest you earn during the term period will always fall between the floor and the cap. When the market index performs well, your interest rate won't exceed the cap. However, when the index performs poorly, nothing happens. This structure offers important benefits for consumers:

Who Should Consider Fixed Index Annuities?

As with any financial vehicle, it's vital to research extensively and work with a financial professional before deciding to commit. However, fixed index annuities can work well for certain people:

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