Variable Annuities

When planning for retirement, it’s natural to want security — but many retirees also want the opportunity for growth. If you’re looking for a retirement strategy with market exposure and higher return potential, variable annuities may be worth a closer look. (The Benefits of Variable Annuities for Growth Potential)

At The Policy Shop, we help clients explore powerful tools like market-linked annuities to create a flexible retirement plan that aligns with both their goals and risk tolerance.

🔍 Key Benefit: Variable Annuities for Growth Potential

Variable annuities stand out from traditional fixed options by offering the ability to invest in mutual funds or other market-driven assets. This opens the door to higher potential returns, making them a compelling option for retirement investors seeking more dynamic growth.

✅ Investment Flexibility

Unlike fixed annuities, variable annuities let you choose how your money is invested. From aggressive growth to more conservative allocations, this flexibility means you can align your portfolio with your personal goals.

📉 Market Exposure with Built-In Protection

Some variable annuities offer downside protection, often through optional riders. This means you can participate in market gains while limiting your exposure to market losses — a valuable benefit for those wanting both growth and peace of mind.

⏳ Tax-Deferred Growth

Just like other types of annuities, variable annuities offer tax-deferred growth. This means your investment can grow faster since you don’t pay taxes on the gains until you start taking withdrawals — ideal for long-term retirement planning.

🧩 Customizable Investment Options

Most variable annuities offer a range of investment options, often professionally managed, allowing you to create a personalized investment strategy based on your risk tolerance, age, and financial goals.

🔚 Bottom Line: Is a Variable Annuity Right for You?

If you’re looking to grow your retirement savings beyond what traditional options allow — but still want some level of protection and structure — variable annuities provide an attractive blend of risk and reward.

They’re especially useful for those comfortable with market-linked investments and wanting to optimize long-term gains in a tax-advantaged way.

Need help deciding?
The experts at The Policy Shop can walk you through your options and help determine if a variable annuity fits into your broader retirement growth strategy.