What are the Average (real) Returns of Fixed Indexed Annuities?

index annuity returnsHere at AnnuityGator.com we regularly break down popular annuities and “test” them to determine what realistic return expectations should be. This exercise has been fun, but it is hypothetical – i.e., it’s based on taking their current structure and using historical data to see what they would have done in the past.

Yesterday I saw a cool article that showed what the average index annuity performance has actually been from 2007 to 2012. The results didn’t surprise me, but they might surprise others.

The study was done by Advantage Compendium and can be found here. It’s based on the actual returns of real index annuity policies, not backtested or hypothetical returns.

Index Annuity Average Returns

Here’s what the study found:

Independent Review of the Metlife Preferred Plus Variable Annuity

Metlife Preference Plus Income Variable Annuity

Metlife Preference Plus Income Variable Annuity

What’s Covered in this Review?

In today’s review, I’ll be covering the following information on the Metlife Preferred Plus Variable Annuity:

  • Product type
  • Fees
  • Current rates
  • Realistic long term investment expectations
  • How it is best used
  • How it is most poorly used

There are certain things that the Preference Plus Income Annuity does well compared to other variable annuities, however there are certain limitations as well. There are also certain details some agents might say about how well this annuity performs that are not entirely true or accurate.

It’s really important that you fully understand the differences (between what advisors may say, and how the product actually works), so you can see for yourself if it’s really a good fit as part of your financial plan.

Annuity And Retirement Income Planning Information That You Can Trust.

If you’ve found this website for the first time and don’t know much about me, I’m a fee only financial planner and what some may call a math geek. I don’t get compensated to sell annuities, nor do I personally sell them. Unlike many other fee only planners, I do think annuities can play a part of a comprehensive financial plan when used properly.

Independent Review of the Prudential Defined Income Variable Annuity

Prudential AnnuitiesWhat’s Covered in this Prudential Defined Income Annuity Review?

In today’s review, I’ll be covering the following information on the Prudential Defined Income Variable Annuity:

  • Product type
  • Fees
  • Current rates
  • Realistic long term investment expectations
  • How it is best used
  • How it is most poorly used

The Defined Income Annuity does a few things really well compared to other variable annuities, but there are certainly limitations. There are also details some agents might say about its performance that are not entirely true.  It’s important you understand the differences (between what advisors say, and how the product really works), so you can determine if it really is a good fit as part of your financial plan.

Independent Review of the Jackson National Perspective II Variable Annuity

What’s Covered in this Review?

In this review I’ll be covering the following information on the Jackson National Perspective II Variable Annuity

  • Product type
  • Fees
  • Current rates
  • Realistic long term investment expectations
  • How it is best used
  • How it is most poorly used

What you’ll find is that like all variable annuities, the Perspective II does some things well, but there are some limitations that you should be aware of. Bear in mind that some finer details relating to the performance of this variable annuity may not properly explained by some agents.

It’s absolutely important that you understand the key differences for yourself, so you can be sure that you made the right decision and it fits into a sound financial plan.

Annuity And Retirement Income Planning Information That You Can Trust

Perhaps you have stumbled across my website for the very first time and don’t know much about what I do. I am a fee only financial planner and self professed complete and utter math geek. I don’t get paid to sell annuities, nor do I personally sell annuities. I do like writing about them though so that others can benefit from my research.

Upcoming changes here at AnnuityGator.com

Annuity Gator ChangesThe past couple years have been great working on AnnuityGator.com. We’ve become the most visited (over 100,000 visitors in the past 12 months), most commented on (over 1,500 comments and questions), and #1 ranked annuity review site on the web.

However, it’s not been all roses.

Whenever you set out to share information on highly debated, and somewhat controversial products – there will always be some people/companies that don’t like what you share.

Rather than fight back, or lay down; we’re just going to do a better job. This site was built to help people, and that will never change. Over the next couple months we’ll be greatly enhancing the number of products reviewed. We’ll also be doing so in a manner that keeps everyone happy: Agents, insurance companies, and most importantly – individual investors that need quality information on products they might consider for their hard earned savings.

Have an Annuity You’d Like to See Reviewed?

No problem, our team of highly trained annuity geeks can jump to it! Click here to get started and we’ll do our best to get it online as soon as possible.