Idaho
Indexed annuities in Idaho: Capture market gains, avoid all losses
Participate in index growth • Zero loss years • Principal protected
3,892 investors moved from volatile stocks to indexed annuities this year
Your account grows when the market index goes up, typically with 70-100% participation or caps up to 10%
In down years, you get 0% - not negative. Your principal and past gains are locked in forever
Gains lock in each year. Once credited, they can never be lost, even in future down markets
Why investors are moving from stocks to indexed annuities
Participate in index growth (S&P 500, NASDAQ, etc.) but never experience negative years. When markets crash, you get 0% instead of -20%.
Annual reset means each year's gains become your new principal floor. In 2019 you earn 8%? That's locked. 2020 market crashes? You're protected at last year's high.
Sitting in savings or CDs earning 4-5%? Indexed annuities give you upside potential (often 6-10% in good years) while maintaining similar safety.
Gains compound tax-deferred. No annual 1099s. Pay taxes only on withdrawals, potentially at lower retirement rates.
Example: $250,000 investment with 8.5% cap rate over 10 years
| Year | S&P 500 | Indexed Annuity | Your Balance |
|---|---|---|---|
| 1 | +12% | +8.5% | $271,250 |
| 2 | -8% | 0% | $271,250 |
| 3 | +18% | +8.5% | $294,306 |
| 4 | +5% | +5% | $309,021 |
| 5 | -12% | 0% | $309,021 |
| 10 | Various | Avg 5-6% | $400,000+ |
See how indexed annuities can protect and grow your retirement savings