Tip #4. Insulate your savings from market risk. Annuities can help protect your savings and investments. Fixed index annuities, for example, help protect portfolios from bear markets because they’re structured so the contract value increases when the stock market rises and remains constant when stock market falls. If you want principal protection and the potential to earn an attractive return that is tied to the market without the risks associated with directly investing in the market, a fixed index annuity may be right for you.
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