This Popular Product Is Helping Investors Sleep at Night

Barron's Retirement

Read in browser Sponsored By: By Elizabeth O'Brien | Sunday, February 16 I remember when annuity prospectuses were the size of phone books. Like phone books, they probably don't print those anymore. These were for variable annuities that mix investments with insurance. It's a lot to digest, but investors contemplating any kind of complex product should do their homework. They shouldn't be shy about asking questions and making sure their advisor can answer them in plain English. A relatively new type of annuity has become popular in recent years. It's called a RILA, or registered indexed-linked annuity, and like its variable cousin it mixes investments with insurance. RILAs are designed to capture most market gains while offering downside protection–for a price that's baked into caps on returns or constraints on liquidity. They're complicated and not for everyone. Yet they can offer peace of mind to investors nearing or in retirement. For those who take the time to understand them, that could be a good option. CONTENT FROM: Jackson Working to make retirement clear for everyone. Jackson® is committed to helping clarify the complexity of retirement planning. Learn more at Jackson.com. BARRON'S LATEST These Hot Annuities Blend Stocks and Bonds They could buffer your downside but limit your upside. Move Over Florida. Retirees Are Making Other Plans. The high cost of homeowners insurance near the coast is one factor pushing retirees away. 4 Mistakes You Might Not Know You're Making With Your Target-Date Fund Retirees might need a more bespoke approach. These Bonds Look Like a Bad Bet. What to Buy Instead. For one, take a less U.S.-centric approach. WHAT WE'RE READING Financial Advice for Separated Couples If there's a chance you'll find your way back together, don't do anything irreparable. RESOURCES Social Security Medicare Required Minimum Distribution calculator Getting Ready to Retire? Here's a Planning Guide for the 5 Years Before Your Last Day. Finra's Guide to Social Isolation and the Risk of Investment Fraud The SEC's Guide to Identity Theft, Data Breaches, and Your Investment Accounts Sign up for more newsletters You are currently subscribed as aymentanaze.news@blogger.com Contact us   |   Privacy Notice   |   Cookie Notice Not a subscriber? Subscribe to Barron's now Forward 4300 Route 1 North, South Brunswick, NJ 08852 ©2025 Dow Jones & Company, Inc. All Rights Reserved. Unsubscribe