Fixed
Predictable credited rate with lower complexity.
Fixed vs Indexed vs Variable Annuities
Quick answer: Each annuity type balances growth potential, downside protection, liquidity, and fees differently. Start with your constraints before comparing features.
Indexed
Index-linked interest with caps, spreads, or participation limits.
Variable
Market-linked subaccounts, higher upside/downside variability.
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Frequently Asked Questions
What is the main difference?
Fixed annuities prioritize principal stability, indexed annuities link growth to a market index with limits, and variable annuities include market exposure and higher complexity.
Which one is best?
There is no universal best option. Suitability depends on liquidity needs, risk tolerance, fees, and income goals.