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Tag Archive: crediting methods of index annuities

An Overview of Crediting Methods of Fixed Indexed Annuities

Keith L. Collins

Fixed indexed annuities (FIAs) are a valuable tool for retirement savings. They provide peace of mind by offering guarantees and safety of the principal amount. What’s more, they offer growth opportunity to help retirement savings keep up with the pace of inflation. FIAs are distinct from other types of annuities in that the crediting methods differ. Regular fixed annuities credit interest at a rate that is linked to the T-bills rate. Fixed indexed annuities, on the other hand, credit interest using formulas based on changes...

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