{"id":40903,"date":"2021-04-30T15:28:28","date_gmt":"2021-04-30T19:28:28","guid":{"rendered":"https:\/\/ilgfinancial.com\/staging\/2370\/?p=40903"},"modified":"2022-05-25T22:12:39","modified_gmt":"2022-05-26T02:12:39","slug":"is-there-really-such-a-thing-as-a-guaranteed-rate-of-return","status":"publish","type":"post","link":"https:\/\/ilgfinancial.com\/staging\/2370\/is-there-really-such-a-thing-as-a-guaranteed-rate-of-return\/","title":{"rendered":"Is There Really Such a Thing as a Guaranteed Rate of Return?"},"content":{"rendered":"

\"\"<\/p>\n

Guaranteed returns, you ask? Yes, but it\u2019s complicated \u2013 one simple word can make a big difference.<\/p>\n

If you have a fixed annuity, you get a fixed rate of return. If you add one simple word \u201cindexed\u201d creating a fixed indexed annuity, you\u2019re tied to the market index rate in anticipation of greater returns. Both have a place in the market, and understanding their differences will help determine which one is best for your retirement savings strategy.<\/p>\n

FIXED ANNUITY:<\/strong> In exchange for a lump sum or a series of payments now, the insurance company provides a guaranteed set income amount at a future date. The money in the policy grows tax-deferred at a fixed rate during both the accumulation phase and the annuitization phases. It\u2019s a safe investment strategy with a\u00a0guaranteed\u00a0payout.<\/p>\n

FIXED INDEXED ANNUITY:<\/strong> This type of annuity\u2019s returns are usually based on the performance of an underlying index like the\u00a0S&P 500. Purchasing a fixed indexed annuity allows the investors the opportunity to\u00a0diversify their portfolio. The payoff for the option to diversify means it comes with a\u00a0higher risk level.<\/p>\n

A KEY DIFFERENCE:<\/strong> A key difference between these annuities lies in how insurance providers calculate interest. A\u00a0fixed annuity\u00a0offers a guaranteed interest rate for a specific amount of time. If you find the rate of return is too low or the\u00a0surrender period\u00a0expires, you can exchange your annuity for another without any tax consequences. A\u00a0fixed indexed annuity\u00a0offers a guaranteed interest rate and additional returns if the stock market performs well. However, the trade-off is typically a larger surrender charge, and the formula for calculating returns can often be highly complex.1<\/p>\n

IMPORTANT NOTE:<\/strong> It\u2019s important to note that annuities aren\u2019t liquid assets. If you choose to withdraw your funds before the term of the annuity is up, you may have to pay a surrender fee. If you\u2019re under 59\u00bd years old, you could also be subject to a 10% penalty. Therefore, if you think you may need cash soon, tying up all your assets in either kind of annuity may not be the best decision.<\/p>\n

If you\u2019re looking to invest now in exchange for a guaranteed return later, it sounds like it\u2019s time to consider adding an annuity to your portfolio. Annuities are complicated, so you\u2019ll need some professional guidance. Contact us today at\u00a0(540) 720-5656<\/a>.<\/p>\n

\n

1\u00a0https:\/\/smartasset.com\/financial-advisor\/fixed-annuity-vs-fixed-indexed-annuity<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Guaranteed returns, you ask? Yes, but it\u2019s complicated \u2013 one simple word can make a big difference. If you have a fixed annuity, you get a fixed rate of return. If you add one simple word \u201cindexed\u201d creating a fixed indexed annuity, you\u2019re tied to the market index rate in anticipation of greater returns. Both have a place in the market, and understanding their differences will help determine which one is best for your retirement savings strategy. FIXED ANNUITY: In exchange for a lump sum or a series of payments now, the insurance company provides a guaranteed set income amount at a future date. The money in the policy grows tax-deferred at a fixed rate during both the accumulation phase and the annuitization phases. It\u2019s a safe investment strategy with […]<\/p>\n","protected":false},"author":48,"featured_media":41951,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[3269],"tags":[],"class_list":["post-40903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-annuities"],"yoast_head":"\nIs There Really Such a Thing as a Guaranteed Rate of Return? - ILG Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ilgfinancial.com\/is-there-really-such-a-thing-as-a-guaranteed-rate-of-return\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is There Really Such a Thing as a Guaranteed Rate of Return? - ILG Financial\" \/>\n<meta property=\"og:description\" content=\"Guaranteed returns, you ask? Yes, but it\u2019s complicated \u2013 one simple word can make a big difference. If you have a fixed annuity, you get a fixed rate of return. If you add one simple word \u201cindexed\u201d creating a fixed indexed annuity, you\u2019re tied to the market index rate in anticipation of greater returns. Both have a place in the market, and understanding their differences will help determine which one is best for your retirement savings strategy. FIXED ANNUITY: In exchange for a lump sum or a series of payments now, the insurance company provides a guaranteed set income amount at a future date. The money in the policy grows tax-deferred at a fixed rate during both the accumulation phase and the annuitization phases. 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