RIAs who aim to protect clients against downside risk may leverage next-gen, commission-free fixed indexed annuities (FIAs) available on the RetireOne platform. Allocations are made via crediting methods that follow indexes like the S&P 500, or the Russell 2000. Investors may capture market upside via these crediting methods, while protecting their investments from market losses.
Bear in mind that withdrawals above the annual allowable amount, generally 10%, may be subject to surrender penalties, and a market value adjustment (“MVA”). Also, upside may be limited by caps or participation rates set by the insurance company.
Because growth potential is limited, fixed indexed annuities are fairly conservative investments that may be used to complement fixed-income allocations in client portfolios.
|wdt_ID||Insurance Company||Product||Solution Type||Return of Premium Death Benefit||Investment Options/Crediting Methods||Fund Families||Fixed Account Availability||Ultra Low-Cost Funds||Surrender Penalty||Lifetime Income Benefit||Penalty Free Withdrawals||Systematic Withdrawals||Dollar-Cost Averaging|
|wdt_ID||Insurance Company||Product||Solution Type||M&E Charge||Admin Charge||Return of Premium Death Benefit Fee||Annual Contract Maintenance Fee||Portfolio Expense Range (a)||Average Portfolio Expense (a)||Surrender Charge Schedule||Penalty Free %|
|wdt_ID||Insurance Company||Product||Solution Type||Availability||Minimum Initial Investment||Maximum Issue Age||Max Total Contributions w/o Approval|
|wdt_ID||Insurance Company||Product||Solution Type||New York Prospectus||Benefits/Optional Rider Info||Optional Rider 2||Optional Rider 3||Prospectus||Client Brochure||Learn More||Investment Options||Performance||Rates|