Invest in Equities
Equity index annuities are the best options for investors looking for safety in a low interest ate environment or a volatile market. Your returns not only depend on your investment amount but also on the increase and decrease in the stock or equity index. If the stock prices increase then the returns that you receive would also increase. If stocks prices fall then that would definitely affects the returns but there is a minimum guaranteed return usually three percent. These offers make these offers more attractive for the retired people and people approaching retirement. Equity Indexed Annuity is suitable for retired people. If you wish to receive a particular amount through out your life then you should go for immediate annuity. The immediate annuity is usually sold by insurance companies. Most of the companies start paying the annuity immediately after retirement; some may even allow us to defer the payments for one year.