A fixed annuity provides a guaranteed income stream. Payouts can be immediate or deferred. Drawbacks include limited upside. Annuities can help ensure your retirement savings last your entire life.

An annuity can provide you with a steady stream of income, ensuring that you have money when you need it. That’s why many people turn to annuities during retirement, to be sure that they have cash ...

Immediate fixed annuities and deferred fixed annuities are finding a growing market in the wake of the financial market meltdown. It’s no wonder. Their guaranteed payout rates are more than 8 percent ...

A deferred annuity is a long-term contract with an insurance company that provides future income–often for life–in exchange for premium payments, with options like fixed, variable, and indexed types ...

A fixed deferred annuity is a deferred annuity (i.e., one in which regular annuity payments may be deferred), the value of which is represented in fixed units (U.S. Dollars) rather than variable units ...

A “fixed annuity” is an annuity contract in which the value is reckoned in fixed units (in the U.S., U.S. dollars). By contrast, the value of a “variable” annuity is determined by the dollar value of ...

Lindsey Crossmier has been a financial writer since 2022, and has been regularly quoted as an expert in outlets such as U.S. News, GOBanking Rates and Yahoo! Finance. She leverages her Yale financial ...

A deferred annuity is a long-term investment that grows tax-deferred and provides income in retirement. Interest earnings accumulate without immediate taxes, allowing savings to grow. Taxes are paid ...

In 2025, both annuities and certificates of deposit (CDs) offer attractive, guaranteed returns, especially as interest rates are expected to drop soon. If you're looking for a safe, fixed return on ...

Money market accounts are variable-rate savings products. Most yields today are somewhere between 4% and 5.3%. That sounds like a nice return, but — there always is a but — there are two things to ...