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The Average Return on Annuities Explained: What You Can Realistically Expect
In this video, we explain what “average return” means for annuities and why it varies by product design. You’ll learn how crediting works during the accumulation phase and how income payouts translate to an internal rate of return, so first-time viewers can compare apples to apples.

We’ll compare the major types in plain English. MYGAs credit a fixed, guaranteed rate for a set term. Fixed indexed annuities (FIAs) link interest to an index with a 0% floor and caps/participation limits. Registered index-linked annuities (RILAs) trade a buffer/floor for more upside. Variable annuities track markets (and fees). SPIAs/DIAs don’t “grow” like an account—the return shows up as a payout rate that depends on age, rates, and options (life-only vs. refund/period-certain).

This video is for U.S. savers comparing steady growth vs. market-linked potential, and retirees deciding whether to lock in income now or later. If you want principal protection and predictable crediting, you’ll see where MYGAs/FIAs shine. If you’re comfortable with defined risk for more upside, you’ll understand RILAs. If you need the biggest guaranteed paycheck per dollar, you’ll see why SPIAs/DIAs often lead.

By the end, you’ll understand realistic outcome ranges, how fees, caps, spreads, and riders affect returns, and why your tax status matters (tax-deferred growth now, ordinary income on gains later). Pros include contractual guarantees, volatility control, and optional lifetime income; cons include limited liquidity, potential caps/fees, and reliance on insurer strength. Who benefits: conservative savers and income planners with multi-year horizons. Who might not: investors needing frequent access or equity-style upside—consider brokerage or Roth strategies, and use life or long-term care insurance if legacy or care costs are the main goal.

If you’re weighing your options, contact The Annuity Expert for free quotes and side-by-side comparisons tailored to your goals, including current MYGA rates, FIA crediting, RILA buffers, and SPIA/DIA income.
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