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Fixed Index Annuities
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== Example Scenario == '''Sarah, age 58, rolls over $250,000 from her 401(k) into a Fixed Index Annuity.''' * Year 1: The S&P 500 grows 8%. Her annuity credits 6% due to a cap. * Year 2: The S&P 500 drops -12%. Her account earns 0%, but suffers no loss. * Year 10: She activates a lifetime income rider and receives $1,800/month for life—even if her account runs out.
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