# AnnuityNestEgg > Money that you save for the future --- ## Pages - [bookcall](https://www.annuitynestegg.org/bookcall/): - [financial needs analysis](https://www.annuitynestegg.org/financial-needs-analysis/): - [how it works](https://www.annuitynestegg.org/how-it-works/): - [step1](https://www.annuitynestegg.org/step1/): [vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none”... - [What Are Annuities](https://www.annuitynestegg.org/what-are-annuities/): [vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″... - [FAQ](https://www.annuitynestegg.org/faq/): - [Our Philosophy](https://www.annuitynestegg.org/our-philosophy/): - [contact us](https://www.annuitynestegg.org/contact-us/): [vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default”... - [about](https://www.annuitynestegg.org/about/): [vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default”... - [blog](https://www.annuitynestegg.org/blog/): - [homepage](https://www.annuitynestegg.org/): [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#9fc5d0″ bg_image=”1156″ bg_position=”center center” background_image_loading=”skip-lazy-load” bg_repeat=”no-repeat” scene_position=”center” top_padding=”15%” bottom_padding=”15%” top_padding_tablet=”30%” constrain_group_3=”yes” bottom_padding_tablet=”30%” top_padding_phone=”40%”... --- ## Posts - [Why is my 401k dropping?](https://www.annuitynestegg.org/why-is-my-401k-dropping/): Amid 2025’s market turbulence—driven by Fed rate hikes, geopolitical shocks, and tech sector swings—millions are watching their 401(k) balances plummet - [What happens to your 401k if the stock market crashes?](https://www.annuitynestegg.org/what-happens-to-your-401k-if-the-stock-market-crashes/): Learn what happens to your 401(k) during a stock market crash, how to protect your retirement savings, and why fixed... - [Are 401k tied to the stock market?](https://www.annuitynestegg.org/are-401k-tied-to-the-stock-market/): Most 401(k)s are tied to the stock market, exposing your retirement to risk. Learn how to protect your nest egg... - [Indexed Annuities: The Smart Way to Grow Wealth Without Stock Market Risk](https://www.annuitynestegg.org/indexed-annuities-the-smart-way-to-grow-wealth-without-stock-market-risk/): - [How to Use an Annuity to Plan for Long-Term Care and Medical Costs](https://www.annuitynestegg.org/how-to-use-an-annuity-to-plan-for-long-term-care-and-medical-costs/): - [Avoiding Hidden Fees and Maximizing Annuity Returns](https://www.annuitynestegg.org/avoiding-hidden-fees-and-maximizing-annuity-returns/): - [Rolling Over a 401(k) Into an Annuity: What You Need to Know](https://www.annuitynestegg.org/rolling-over-a-401k-into-an-annuity-what-you-need-to-know/): - [How a $100,000 Annuity Can Secure Your Retirement Income](https://www.annuitynestegg.org/how-a-100000-annuity-can-secure-your-retirement-income/): Discover how $100,000 in a fixed index annuity can provide lifetime income, eliminate market risk, and secure a retirement you... - [The Pros and Cons of Annuities: Is It Right for You?](https://www.annuitynestegg.org/the-pros-and-cons-of-annuities-is-it-right-for-you/): [vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none”... - [How Annuities Provide Guaranteed Income for Life](https://www.annuitynestegg.org/how-annuities-provide-guaranteed-income-for-life-and-why-you-need-one/): Annuities guarantee lifetime income, replacing pensions and protecting against outliving savings. They provide predictable payments, reduce retirement stress, and ensure... - [What is an Annuity? A Beginner’s Guide to Growing and Protecting Your Wealth](https://www.annuitynestegg.org/what-is-an-annuity-a-beginners-guide-to-growing-and-protecting-your-wealth/): - [Best companies for annuities in 2025](https://www.annuitynestegg.org/best-companies-for-annuities-in-2025/): - [How safe are annuities during a market crash?](https://www.annuitynestegg.org/how-safe-are-annuities-during-a-market-crash/): - [What are indexed annuities and how do they work?](https://www.annuitynestegg.org/what-are-indexed-annuities-and-how-do-they-work/): - [Lifetime income annuities explained](https://www.annuitynestegg.org/lifetime-income-annuities-explained/): - [How do annuity withdrawal rules work?](https://www.annuitynestegg.org/how-do-annuity-withdrawal-rules-work/): - [How to use annuities for long-term care planning](https://www.annuitynestegg.org/how-to-use-annuities-for-long-term-care-planning/): - [Are annuities FDIC insured?](https://www.annuitynestegg.org/are-annuities-fdic-insured/): - [Immediate vs. deferred annuities: What’s the difference?](https://www.annuitynestegg.org/immediate-vs-deferred-annuities-whats-the-difference/): - [What happens to my annuity when I die?](https://www.annuitynestegg.org/what-happens-to-my-annuity-when-i-die/): - [How to avoid annuity fees and hidden costs](https://www.annuitynestegg.org/how-to-avoid-annuity-fees-and-hidden-costs/): - [Can I roll over my 401(k) into an annuity?](https://www.annuitynestegg.org/can-i-roll-over-my-401k-into-an-annuity/): - [Annuities vs. 401(k): Which is better for retirement?](https://www.annuitynestegg.org/annuities-vs-401k-which-is-better-for-retirement/): - [How much does a $100,000 annuity pay per month?](https://www.annuitynestegg.org/how-much-does-a-100000-annuity-pay-per-month/): - [Tax benefits of annuities](https://www.annuitynestegg.org/tax-benefits-of-annuities/): - [Pros and cons of annuities](https://www.annuitynestegg.org/pros-and-cons-of-annuities/): - [Are annuities a good investment?](https://www.annuitynestegg.org/are-annuities-a-good-investment/): - [How do annuities provide guaranteed income?](https://www.annuitynestegg.org/how-do-annuities-provide-guaranteed-income/): - [Fixed vs. variable annuities: Which is better?](https://www.annuitynestegg.org/fixed-vs-variable-annuities-which-is-better/): - [Best annuities for retirement in 2025](https://www.annuitynestegg.org/best-annuities-for-retirement-in-2025/): - [What is an annuity and how does it work?](https://www.annuitynestegg.org/what-is-an-annuity-and-how-does-it-work/): Discover how annuities can secure your financial future with tax-deferred growth and guaranteed income for life. --- # # Detailed Content ## Pages ### bookcall - Published: 2025-05-31 - Modified: 2025-05-31 - URL: https://www.annuitynestegg.org/bookcall/ --- ### financial needs analysis - Published: 2025-05-27 - Modified: 2025-05-27 - URL: https://www.annuitynestegg.org/financial-needs-analysis/ --- ### how it works - Published: 2025-04-08 - Modified: 2025-04-08 - URL: https://www.annuitynestegg.org/how-it-works/ --- ### step1 - Published: 2025-04-04 - Modified: 2025-04-06 - URL: https://www.annuitynestegg.org/step1/ Is an Annuity Right for Your 401k? (Take 30 Seconds to Find Out) Answer a few quick questions to see if you qualify for tax-deferred growth and guaranteed retirement income. --- ### What Are Annuities - Published: 2025-01-21 - Modified: 2025-01-21 - URL: https://www.annuitynestegg.org/what-are-annuities/ Annuities are financial products designed to provide a steady income stream, typically for retirement. They are a contract between you and an insurance company, where you make a lump-sum payment or a series of payments, and in return, the insurer agrees to provide regular payouts, either immediately or in the future. Key Features of Annuities Tax-Deferred Growth: Earnings on your investment grow tax-deferred until you withdraw them. Guaranteed Income: Depending on the type of annuity, it can provide lifetime income, which is especially valuable for retirement planning. Customization: Options to tailor payouts, riders, and terms to meet individual needs. Risk Management: Protects against outliving your savings (longevity risk). Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar. Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem... --- ### FAQ - Published: 2025-01-19 - Modified: 2025-01-19 - URL: https://www.annuitynestegg.org/faq/ --- ### Our Philosophy - Published: 2025-01-19 - Modified: 2025-01-19 - URL: https://www.annuitynestegg.org/our-philosophy/ --- ### contact us - Published: 2025-01-19 - Modified: 2025-04-06 - URL: https://www.annuitynestegg.org/contact-us/ --- ### about - Published: 2025-01-19 - Modified: 2025-05-30 - URL: https://www.annuitynestegg.org/about/ W e believe retirement should be a time of peace, not uncertainty. That’s why we’re on a mission to help everyday Americans protect their hard-earned savings with reliable, tax-advantaged annuity solutions designed for long-term financial security. Whether you're nearing retirement, rolling over a 401(k), or just starting your planning journey, we simplify complex financial decisions so you can build a nest egg that lasts a lifetime. Who We Help We work with individuals and families who want: A guaranteed stream of retirement income Principal protection from market downturns Tax-deferred growth opportunities A smart alternative to low-performing savings accounts or CDs . Our platform connects you with licensed professionals who understand how to customize annuity plans that match your goals, risk tolerance, and retirement timeline. What We Do We specialize in: Fixed Index Annuities (FIAs) Multi-Year Guaranteed Annuities (MYGAs) 401(k) Rollovers to Annuities IRA to Annuity Transfers Retirement Income Planning . We’re not here to sell — we’re here to educate first. Every consultation is free, no-pressure, and centered on helping you understand your options. Why Trust Us? We work only with top-rated insurance carriers Our licensed agents are independent — meaning they shop the market for your best interest We never ask for sensitive information like your Social Security Number online Your retirement goals come first — always Let’s Talk About Your Nest Egg Have questions? Ready to take the next step? We’re here for you. Phone: 1(800)568-9778 Book a Call: AnnuityNestEgg. org/BookCall AnnuityNestEgg. org — Helping You Take Care... --- ### blog - Published: 2025-01-19 - Modified: 2025-01-19 - URL: https://www.annuitynestegg.org/blog/ --- ### homepage - Published: 2025-01-19 - Modified: 2025-04-10 - URL: https://www.annuitynestegg.org/ Turn Your Savings into a Lifetime of Guaranteed Income – No Guesswork, No Market Risk. A nest egg is your lifelong savings. Annuities safeguard it, ensuring you never outlive your income Fixed Annuities Indexed Annuities Immediate vs. Deferred We Partner with A-Rated, Industry-Leading Insurers to Secure Your Future Nationwide – Over 95 years of stability, specializing in customizable retirement solutions. Global Atlantic – $75B+ in assets, renowned for flexible income riders. Athene – Serves 1M+ clients with top-ranked fixed indexed annuities. Corebridge Financial – Formerly AIG, offering 50+ years of retirement expertise. F&G Annuity and Life – Innovators in buffer annuities and downside protection. Pacific Life – 150+ years of experience, ideal for high-net-worth strategies. If You Answer ‘Yes’ to Any of These, Let’s Talk" Do you worry about outliving your savings? Would you sleep better with predictable monthly income? Are you tired of market volatility eroding your nest egg? Do you want tax-deferred growth until retirement? Need to protect a spouse’s income if something happens? --- --- ## Posts ### Why is my 401k dropping? - Published: 2025-04-04 - Modified: 2025-04-10 - URL: https://www.annuitynestegg.org/why-is-my-401k-dropping/ - Categories: Annuities and Inflation Protection Amid 2025’s market turbulence—driven by Fed rate hikes, geopolitical shocks, and tech sector swings—millions are watching their 401(k) balances plummet The Anxiety of a Shrinking 401(k) If you’ve recently checked your 401(k) statement and felt a pit in your stomach, you’re not alone. Over the past several months, market volatility has surged, leaving many Americans questioning why their retirement savings are plummeting—and what they can do about it. From inflation concerns to geopolitical shocks and aggressive Federal Reserve rate hikes, 2023’s economic turbulence has rattled even seasoned investors. In this blog, we’ll dissect the forces driving your 401(k)’s decline and explore how annuities, a time-tested financial tool, can help stabilize your retirement strategy amid today’s uncertainty. Why Markets Are Tanking The S&P 500’s wild swings in 2023—from a 20% rally early in the year to a sharp Q3 correction—highlight the fragility of today’s markets. Several factors are converging to erode 401(k) balances: Inflation & Interest Rates: The Federal Reserve has raised rates 11 times since March 2022, pushing borrowing costs to a 22-year high. While this aims to cool inflation, it also stifles corporate profits and drags down stock valuations. Geopolitical Tensions: Escalating conflicts in Ukraine and the Middle East have disrupted global supply chains, spiked oil prices, and fueled recession fears. Tech Sector Volatility: Once-reliable growth stocks like Tesla and Apple have stumbled, eroding confidence in equity-heavy portfolios. For retirees and near-retirees, this volatility is especially dangerous. A downturn now could trigger the “sequence of returns risk”, where early losses permanently reduce your nest egg’s longevity. Why Market Dependency Is Risky Most 401(k) plans are tethered to stocks, bonds,... --- ### What happens to your 401k if the stock market crashes? - Published: 2025-04-04 - Modified: 2025-04-13 - URL: https://www.annuitynestegg.org/what-happens-to-your-401k-if-the-stock-market-crashes/ - Categories: Annuity Basics Learn what happens to your 401(k) during a stock market crash, how to protect your retirement savings, and why fixed index annuities can offer principal protection and lifetime income. I f you're like millions of Americans with a 401(k), you've probably asked yourself a terrifying question: What happens to my 401(k) if the stock market crashes? It’s a valid concern. After all, your 401(k) is supposed to be your nest egg—a symbol of your retirement freedom. But what if the market takes a nosedive? Can your hard-earned savings survive? This blog will walk you through exactly what happens to your 401(k) in a crash, real-life examples from previous downturns, strategies for protecting your assets, and why fixed index annuities are gaining popularity as a 401(k) rollover option. What Happens in a Market Crash? When the stock market crashes, the value of your investments—primarily stocks and mutual funds—can drop significantly. Since most 401(k)s are heavily tied to the market through these assets, a crash can slash your retirement savings. Let’s break it down: Equities Lose Value: Your 401(k) holdings, often comprised of stock mutual funds or ETFs, lose value rapidly. Panic Selling: Many investors pull out of the market out of fear, locking in losses. Long-Term Impact: Unless your portfolio recovers or you're years away from retirement, the crash can delay your retirement timeline. The 2008 Financial Crisis During the 2008 crisis, the S&P 500 lost approximately 38. 5% of its value by year-end. According to the Employee Benefit Research Institute (EBRI), the average 401(k) balance fell 27% that year. A 55-year-old with $300,000 in a 401(k) may have seen their balance drop to ▼$219,000. If they were planning to... --- ### Are 401k tied to the stock market? - Published: 2025-04-04 - Modified: 2025-04-10 - URL: https://www.annuitynestegg.org/are-401k-tied-to-the-stock-market/ - Categories: Rollover Questions Most 401(k)s are tied to the stock market, exposing your retirement to risk. Learn how to protect your nest egg with safer alternatives like fixed index annuities. Understanding the Risks and Opportunities in Your Retirement Account When people ask whether their 401(k) is tied to the stock market, the short answer is: it depends on how it's invested. Many Americans automatically contribute to their 401(k) through their employer without fully understanding where that money is going, how it’s invested, and what that means for their financial future—especially when the market goes through turbulence. In this article, we'll break down how 401(k)s work, what it means for them to be tied to the stock market, and how you can reduce risk with more secure alternatives like fixed index annuities (FIAs). 1. What Is a 401(k) and How Does It Work? A 401(k) is a tax-advantaged retirement account offered by many employers. You contribute pre-tax dollars to your account, and your money grows tax-deferred until you withdraw it in retirement. According to the IRS (Publication 560), contributions are limited to $23,000 for 2025, with an additional $7,500 catch-up contribution for those 50 and older. But here’s the key: A 401(k) is not an investment itself—it’s an account that holds investments, like: Mutual funds Stocks Bonds Target-date funds If you choose a target-date fund aimed at retirement in 2050, your 401(k) balance will heavily depend on how the underlying stocks perform over time. 2. Yes, Most 401(k)s Are Tied to the Stock Market Unless you’ve selected conservative options like bond funds or stable value funds, your 401(k) is likely directly impacted by market performance. Equity-based mutual funds (common in 401(k)s)... --- ### Indexed Annuities: The Smart Way to Grow Wealth Without Stock Market Risk - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/indexed-annuities-the-smart-way-to-grow-wealth-without-stock-market-risk/ - Categories: Indexed Annuities --- ### How to Use an Annuity to Plan for Long-Term Care and Medical Costs - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/how-to-use-an-annuity-to-plan-for-long-term-care-and-medical-costs/ - Categories: Rollover Questions --- ### Avoiding Hidden Fees and Maximizing Annuity Returns - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/avoiding-hidden-fees-and-maximizing-annuity-returns/ - Categories: Rollover Questions --- ### Rolling Over a 401(k) Into an Annuity: What You Need to Know - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/rolling-over-a-401k-into-an-annuity-what-you-need-to-know/ - Categories: Rollover Questions --- ### How a $100,000 Annuity Can Secure Your Retirement Income - Published: 2025-03-10 - Modified: 2025-04-10 - URL: https://www.annuitynestegg.org/how-a-100000-annuity-can-secure-your-retirement-income/ - Categories: Rollover Questions Discover how $100,000 in a fixed index annuity can provide lifetime income, eliminate market risk, and secure a retirement you can count on—starting today. Can $100,000 Truly Make a Difference in Retirement? If you're like many nearing retirement, you may be wondering, “Is $100,000 enough to make a difference? ” The answer might surprise you—especially if it’s placed into the right kind of annuity. In today’s uncertain economy, where inflation, taxes, and market volatility can eat away at your savings, locking in a guaranteed stream of income becomes not just a good idea—but a necessity. Whether you're planning for retirement in 10 years or 10 months, this guide will show you how, why, and when a $100,000 annuity can help secure a worry-free retirement, offering peace of mind and consistent income when you need it most. HOW a $100,000 Annuity Generates Income An annuity is a contract with an insurance company where you contribute a lump sum in exchange for either immediate or future guaranteed income. Here’s how that $100,000 works for you: Fixed Index Annuities (FIA): These are popular for retirement because they offer growth tied to a market index (like the S&P 500)—but with no risk of market loss. Your $100,000 can grow through index-linked interest, with gains locked in annually. Over 10 years, even with moderate performance (4–6%), your account can grow to $140,000–$170,000—without losing a penny to market crashes. Immediate Annuities: If you need income right away, an immediate annuity starts monthly payments in as little as 30 days. At age 65, a $100,000 immediate annuity could pay around $550–$600/month for life, depending on your gender and payout option. IRS... --- ### The Pros and Cons of Annuities: Is It Right for You? - Published: 2025-03-10 - Modified: 2025-04-11 - URL: https://www.annuitynestegg.org/the-pros-and-cons-of-annuities-is-it-right-for-you/ - Categories: Rollover Questions If you're thinking about retirement and how to turn your savings into a reliable income, you've probably heard about annuities. But are they a smart move for you? Let's break it down in simple terms so you can make the right decision for your future. First, What Is an Annuity? Think of an annuity like a personal pension. You give an insurance company a lump sum or a series of payments, and in return, they agree to pay you income—either for a set number of years or for life. It sounds great, right? But, like everything in life, there are pros and cons. Pros of Annuities 1. Guaranteed Income for Life Worried about running out of money in retirement? Annuities can guarantee a paycheck for as long as you live. It’s peace of mind, especially if you expect to live a long life. 2. Tax-Deferred Growth Your money grows without being taxed until you withdraw it—just like a 401(k) or IRA. This gives your investments more room to grow over time. 3. Market Protection Fixed and fixed-index annuities offer protection from market losses. Even if the stock market tanks, your principal stays safe (and sometimes even earns interest). 4. Customizable Features You can add riders for inflation protection, long-term care coverage, or spousal benefits. These are optional, but they offer flexibility based on your needs. 5. No Contribution Limits Unlike IRAs or 401(k)s, there’s no annual contribution limit. If you’ve already maxed out your retirement accounts, annuities can give you... --- ### How Annuities Provide Guaranteed Income for Life - Published: 2025-03-10 - Modified: 2025-04-16 - URL: https://www.annuitynestegg.org/how-annuities-provide-guaranteed-income-for-life-and-why-you-need-one/ - Categories: Rollover Questions Annuities guarantee lifetime income, replacing pensions and protecting against outliving savings. They provide predictable payments, reduce retirement stress, and ensure safety—no market risks or guesswork. Secure your future today. The Problem No One Talks About After Paychecks Stop Imagine working hard your whole life, saving money, and finally retiring—only to lie awake at night worrying, “What if I run out of cash? ” Scary, right? Social Security helps, but it’s rarely enough. Savings can disappear fast. Stocks might crash. This is where annuities come in. An annuity is like a paycheck that never stops, even when you’re done working. It’s a safety net that guarantees money in your bank account every month, no matter how long you live. Let’s break down how annuities work and why they might be the missing piece in your retirement plan. 1. What Is an Annuity? (It’s Simpler Than You Think) An annuity is a contract between you and an insurance company. You give them a lump sum of money or make payments over time. In return, they promise to send you regular income for life (or a set number of years). Think of it like turning your savings into a personal money fountain. Key Details: Not an investment. Annuities are insurance products. They protect you from outliving your money. Flexible timing. You can start getting payments right away or years later. Tax perks. Money in an annuity grows tax-deferred (you don’t pay taxes until you withdraw it). 2. How Do Annuities Work? The Basics Let’s say you’re 60 and want income by 65. You pay the insurance company $100,000 today. They invest that money and, starting at 65, send you monthly checks. The... --- ### What is an Annuity? A Beginner’s Guide to Growing and Protecting Your Wealth - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/what-is-an-annuity-a-beginners-guide-to-growing-and-protecting-your-wealth/ - Categories: Rollover Questions --- ### Best companies for annuities in 2025 - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/best-companies-for-annuities-in-2025/ - Categories: Rollover Questions --- ### How safe are annuities during a market crash? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/how-safe-are-annuities-during-a-market-crash/ - Categories: Rollover Questions --- ### What are indexed annuities and how do they work? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/what-are-indexed-annuities-and-how-do-they-work/ - Categories: Rollover Questions --- ### Lifetime income annuities explained - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/lifetime-income-annuities-explained/ - Categories: Rollover Questions --- ### How do annuity withdrawal rules work? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/how-do-annuity-withdrawal-rules-work/ - Categories: Rollover Questions --- ### How to use annuities for long-term care planning - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/how-to-use-annuities-for-long-term-care-planning/ - Categories: Rollover Questions --- ### Are annuities FDIC insured? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/are-annuities-fdic-insured/ - Categories: Rollover Questions --- ### Immediate vs. deferred annuities: What’s the difference? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/immediate-vs-deferred-annuities-whats-the-difference/ - Categories: Rollover Questions --- ### What happens to my annuity when I die? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/what-happens-to-my-annuity-when-i-die/ - Categories: Rollover Questions --- ### How to avoid annuity fees and hidden costs - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/how-to-avoid-annuity-fees-and-hidden-costs/ - Categories: Rollover Questions --- ### Can I roll over my 401(k) into an annuity? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/can-i-roll-over-my-401k-into-an-annuity/ - Categories: Rollover Questions --- ### Annuities vs. 401(k): Which is better for retirement? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/annuities-vs-401k-which-is-better-for-retirement/ - Categories: Rollover Questions --- ### How much does a $100,000 annuity pay per month? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/how-much-does-a-100000-annuity-pay-per-month/ - Categories: Rollover Questions --- ### Tax benefits of annuities - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/tax-benefits-of-annuities/ - Categories: Rollover Questions --- ### Pros and cons of annuities - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/pros-and-cons-of-annuities/ - Categories: Rollover Questions --- ### Are annuities a good investment? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/are-annuities-a-good-investment/ - Categories: Rollover Questions --- ### How do annuities provide guaranteed income? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/how-do-annuities-provide-guaranteed-income/ - Categories: Rollover Questions --- ### Fixed vs. variable annuities: Which is better? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/fixed-vs-variable-annuities-which-is-better/ - Categories: Rollover Questions --- ### Best annuities for retirement in 2025 - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/best-annuities-for-retirement-in-2025/ - Categories: Rollover Questions --- ### What is an annuity and how does it work? - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.annuitynestegg.org/what-is-an-annuity-and-how-does-it-work/ - Categories: Annuity Basics Discover how annuities can secure your financial future with tax-deferred growth and guaranteed income for life. The Search for Financial Security Retirement planning can feel overwhelming. Stock market volatility, inflation, and the risk of outliving your savings are real concerns. You may have heard about annuities but wonder: What exactly is an annuity? How do annuities grow money safely? Can an annuity provide guaranteed income for life? This guide breaks down everything you need to know about annuities—so you can make an informed decision about your financial future. What is an Annuity? An annuity is a financial contract between you and an insurance company that allows your money to grow tax-deferred and provides a steady income stream for life or a set period. Think of it as a personal pension that guarantees financial security, no matter how long you live. How Annuities Work You invest money (either as a lump sum or through scheduled payments). Your investment grows tax-deferred over time. You start receiving payments either immediately or in the future. Enjoy guaranteed income for life or for a specific period. Annuities are one of the only financial products that can provide lifetime income—a crucial benefit for retirees. Types of Annuities: Choosing the Right One for You There are several types of annuities, each designed for different financial goals. 1. Fixed Annuities: Stability & Predictability How it works: Offers a guaranteed interest rate for a fixed period. Best for: People who want low-risk, predictable growth. Key benefit: You won’t lose money due to market downturns. 2. Indexed Annuities: Growth Without Market Risk How it works: Returns... --- ---