Fixed Annuities

When it comes to creating safe and predictable retirement income, few options offer more reliability than fixed annuities. For retirees who value stability, peace of mind, and protection from market swings, fixed annuities are a smart cornerstone in retirement planning. (How Fixed Annuities Provide Stable Retirement Income)

At The Policy Shop, we help clients build retirement income strategies that prioritize security — and fixed annuities are a proven solution.

🔐 Key Benefit: Fixed Annuities for Stable Income

Fixed annuities offer a guaranteed interest rate and a set payout structure, making them ideal for anyone who wants consistent income during retirement — without having to worry about market volatility.

💸 Guaranteed Payouts

With a fixed annuity, you know exactly how much income you’ll receive and when. This creates a predictable cash flow that supports monthly budgeting and long-term peace of mind.

📉 No Market Risk

Unlike variable annuities, fixed annuities are not tied to the performance of the stock market. Your principal and returns are protected from downturns — making this a low-risk retirement planning option.

⏳ Tax-Deferred Earnings

Like other annuity types, fixed annuities offer tax-deferred growth. That means your interest compounds without being reduced by annual taxes — potentially accelerating your retirement savings.

📈 Guaranteed Interest Rates

One of the standout benefits of fixed annuities is their guaranteed interest rate. This predictable rate makes it easier to project how your retirement income will grow over time, providing financial clarity and confidence.

🔚 Bottom Line: Stability Over Speculation

Fixed annuities deliver what many retirees value most: stability, guaranteed income, and protection from uncertainty. Whether you’re already in retirement or planning ahead, a fixed annuity can anchor your financial future with guaranteed returns and peace of mind.

Want to see if a fixed annuity fits into your retirement strategy?
Let The Policy Shop help you explore how guaranteed income annuities can support your long-term goals.