Fixed Indexed Annuities

Commission-free fixed indexed annuities (FIAs) allow RIAs to protect clients against downside risk. 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, but 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.


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