Moderate investors can benefit from fixed indexed annuities that provide principal protection and market-linked growth. FIAs participate in stock market gains (up to a cap) without risk of loss. An independent agent can compare FIA options for moderate investors.
Key Points
- Fixed indexed annuity (FIA): principal protection and market-linked growth
- Participates in stock market gains up to a cap
- No risk of loss: floor is typically 0%
- Current FIA caps: 8-12% in 2026
- An independent agent can compare FIA options for moderate investors