Benefits of Fixed Annuities

Fixed annuities are an investment vehicle designed to provide safety and security in very turbulent and uncertain times. There are numerous different crediting methods for fixed annuities, but the common denominator is that your principal is always fully protected.

These investment products fit into the fixed income bucket of your portfolio and frequently offer a higher income than other comparable safe investment options.

For a fixed indexed annuity, the expected but not guaranteed return, might be between 3% and 7%. An added feature of the fixed annuity is that it is a tax deferred product. This product tends to be most beneficial to seniors, as those under age 59 ½ would incur a 10% IRA penalty on any withdrawal.

Investment advisory services offered through Virtue Capital Management, LLC (VCM), an investment adviser registered with the U.S. Securities and Exchange Commission. VCM and BW Wealth Management are independent of each other. Any guarantees mentioned are backed by the financial strength and claims paying ability of the issuing insurance company and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer. Insurance and annuity products are not sold through Virtue Capital Management, LLC (“VCM”). VCM does not endorse any annuity of insurance products nor does it guarantee any annuity or insurance products performance.