Indexed Annuities?
Usually, I have no fees (annual or funds) attached to them as VAs do. And they have no downside risk because they are not actual funds. Of course they do not have the diversity that VA has 15 different funds, but by a basic need for someone who is afraid of the market to begin with sounds pretty good. Your thoughts?
Index annuities are pushed because they have the highest commission for brokers. I've seen some as high as 15%. By usually manifests itself in the participation rate. I looked at the PPN (principal protected notes) or PPCD (principal protected CD) are a combination of CD or zero coupon bond and an option linked to a basket of securities. Options generally may be linked to anything from dow, s & p, Nik, the currency can be anything imagine. The rates are similar in that they can be seen by a lower turnout, but are much less than what you see in an index annuity. There are probably more efficient in a rage because the zero coupon interest will be the annual Ghost older. They are used a bit more in Europe, but are starting at an exhibition here. And if you ever feel like an index annuity, gather information and call a third company annuity. Brought charges that may be missing.
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