March 11, 2026

Common Myth: If You Want Guarantees, You Have to Sacrifice Strong Returns. This is False.

Common Myth: If You Want Guarantees, You Have to Sacrifice Strong Returns. This is False.
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Ferenc Compares Index Annuities with the new Hybrid Annuities
 
1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.
 
2. Ferenc shares a new client case that compared an Index Annuity with a Hybrid Annuity. 
                                          Hybrid Annuity                                          Index Annuity    
      Growth:                       Limited: capped at 11-17% annually         Unlimited: no cap   
      Downside Protection:  Partial: 10-20%                                         Full: principle guaranteed
      Annual Fees:               2.5%                                                         None
 
3. If you have an annuity that has had under 7% returns the past couple of years, you have a subpar product with poor returns. You should consider comparing a superior product.
 
4. If you have an early surrender penalty, bonuses of 22-29% are available to offset the penalty with strong index options.