Nervous investors are reeling from the latest stock market fluctuations. A downturn in the market can cause you to lose past gains and even part of your original investment, which is not a pleasant thought. Indexed annuities, also called fixed-indexed or equity-indexed annuities, provide individuals that are interested in investing with principal guarantees, tax deferral of gains, and compounded growth an option. Most importantly, however, indexed annuities can soothe market performance worries.

Investing in the stock market isn’t always the most worry-free proposition. Stories abound about investors who have tried to play the market and have lost everything. While most investors are in the market for the long haul and, over time, will recover from market downturns, people nearing or in retirement should consider different methods for saving and growing their money, rather than the stock market. Indexed annuities are a way to participate in the market’s gains while protecting your retirement assets.

Indexed annuities offer favorable returns with the potential for higher-than-average gains. When you purchase an indexed annuity, you are getting a product that ties its interest returns to a particular stock market index, such as the S&P 500 or the NASDAQ index. When the market is on an upswing, you do well. If the market performs poorly, you still earn a minimum rate of return, usually around 1-3%. Any interest returns you earn are tax deferred until you receive payout, allowing money that would normally be used to pay taxes to compound over time.

Each indexed annuity product on the market today has different terms and conditions; speaking to an AnnuityForLife.com Annuity Specialist will help you understand how your interest returns would be calculated. No one calculating method is best for all individuals and all market conditions, so make sure that you choose an indexed annuity that fits your needs in terms of surrender terms and fees.

Interested in soothing your stock market fears? Contact the AnnuityForLife.com Specialists at 1-888-261-6237 to learn more about the benefits of indexed annuities. You’ll be glad you chose this no-lose savings vehicle.