Fixed Indexed Annuities: Growth Without Loss

Get market-linked gains with zero downside risk.

“You don’t need to hit home runs to win—you just need to avoid striking out.” — Patrick Kelly

Let’s face it—when you’re approaching or enjoying retirement, losing money in the market is more than frustrating… it’s frightening.

That’s why Fixed Indexed Annuities (FIAs) have become a go-to solution for smart, safety-conscious retirees who want to grow their money—without losing sleep when the market dips.

At C & K Healthcare Advisors, we believe in retirement strategies that protect what you’ve built while still giving you the power to grow. Let’s explore why FIAs are one of our favorite tools in the retirement income toolkit.

🔍 What Is a Fixed Indexed Annuity?

A Fixed Indexed Annuity (FIA) is a safe, powerful financial vehicle that gives you:

✅ Protection from market downturns (your principal is always safe)
✅ Growth potential tied to a stock market index (like the S&P 500)
✅ Tax-deferred earnings—no taxes while your money grows
✅ Optional lifetime income riders for retirement paychecks
✅ No direct investment in the stock market—just market-linked performance

✨ Think of it as a middle ground between a CD and the stock market—but better.

📈 How Does the Growth Work?

Simple and secure. Here’s the magic:

• When the market goes up, you earn interest based on its performance—up to a cap (say 9%) or a participation rate (like 70% of index growth)

• When the market goes down, your interest is 0%—not negative

• That means your balance never decreases due to market losses

✅ No scary drops.
✅ No guesswork.
✅ Just slow, steady, compounding progress.

📊 How Do FIAs Compare to Other Retirement Options?

FIAs are especially loved by retirees who want a conservative approach to growth, without giving up their shot at gains.

💸 Bonus: Create Your Own Pension With an Income Rider

Want guaranteed income for life? Most FIAs offer an optional income rider (for a small fee) that allows you to:

✅ Receive a set income for the rest of your life
✅ Choose joint income with your spouse
✅ Keep receiving income even if your account value hits $0

💡 It’s like creating your very own pension—without relying on your old job or the stock market.

📘 Real-Life Story: Sharon’s Smart Strategy

Meet Sharon, 60 years old and ready to protect her savings. She puts $200,000 into an FIA.

Here’s how her first 5 years play out:

• Year 1: +7.5%

• Year 2: +0% (market drop, but Sharon loses nothing!)

• Year 3: +6.2%

• Year 4: +5.3%

• Year 5: +8.0%

At age 65, she turns on her income rider and starts receiving $13,000/year—every year, for the rest of her life.

✅ No market stress.
✅ No guesswork.
✅ Just income, protection, and peace of mind.

🤔 Is a Fixed Indexed Annuity Right for You?

An FIA might be a perfect fit if you:

✅ Are near or in retirement
✅ Want market-linked growth without the risk
✅ Want tax-deferred earnings
✅ Prefer peace of mind over stock market stress
✅ Want to create a reliable income stream for life

Even if you’re just curious, learning more can be one of the smartest moves you make for your future self.

🛡️ How C & K Healthcare Advisors Helps You Choose

We don’t believe in cookie-cutter retirement advice. At C & K, we help you:

✅ Compare the best FIA options from top-rated insurance companies
✅ Customize your plan with the right caps, riders, and income features
✅ Understand every detail—transparently
✅ Build a smart, stable retirement strategy tailored to you

✨ With Trusted Care. Tailored for You., we help you turn your retirement savings into something that’s secure, dependable, and designed to last.

🌟 Final Thought:

You’ve worked hard for your retirement savings.
Now it’s time for your savings to work hard and safely for you.

Fixed Indexed Annuities offer market growth when things are good and protection when they’re not. No more roller coasters. No more guesswork. Just confidence and calm for the road ahead.

Let’s build a retirement you can count on—no matter what the market does next.