If you want Golden Eggs make sure to protect the Hen! A fixed indexed annuity is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth. It gives you more growth potential than a fixed annuity along with less risk and less potential return than a variable annuity. As part of your retirement strategy, it’s important to know that you’ve covered your core expenses – things like food, housing, health care, and taxes. But even if you’ve saved enough, over a long retirement your income may not keep pace with inflation. "Spend each day trying to be a little wiser than you were when you woke up" Charlie Munger A Foundation For Lifetime Income Take Charge of Your 401(k) We put together a guide to help you potentially save thousands in taxes and fees, tips for speeding up retirement preparations, and critical mistakes to avoid. First Name Last Name Email Address Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.