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== Types of Annuities == === Fixed Annuities === * Provide a guaranteed interest rate * Safe and conservative option for preserving capital === Fixed Index Annuities (FIAs) === * Grow based on a market index (e.g., S&P 500) **without losing money** during market downturns * Offer annual caps or participation rates * Include **lifetime income riders** that allow for pension-style withdrawals === Variable Annuities === * Invest in mutual fund-like subaccounts * Higher risk with more growth potential, but subject to market loss === Immediate Annuities === * Start income payments within 12 months of funding * Used by retirees needing income now
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