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How Indexed Annuities Keep Your Savings Safe

This video explains how indexed annuities link interest to a market index while protecting principal. We compare equity-indexed annuities and fixed indexed annuities—similar concepts with important differences in crediting methods and contract language—against registered index-linked annuities (RILAs), which offer defined downside with buffers or floors. You’ll see how caps, spreads, and participation rates shape returns without direct stock ownership.

If you’re a U.S. pre-retiree or retiree seeking steadier growth than CDs with protection from market losses, this is for you. It’s helpful if you want predictable outcomes for IRA rollovers or non-qualified savings, or if you’re evaluating an income rider. You might not benefit if you need full, penalty-free liquidity, want unlimited market upside, or prefer managing investments directly with ETFs.

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You’ll learn how each design protects principal or limits risk, how crediting formulas work, the real trade-offs in fees and liquidity, when an income rider makes sense, and how to choose between equity-indexed, fixed indexed, and RILA structures based on risk tolerance and time horizon. Contact The Annuity Expert for free quotes and help comparing options.

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