These Hot Annuities Blend Stocks and Bonds. They Could Limit Your Upside.
February 19, 2025 by Karen Hube
Retirement investors are pouncing on a type of annuity that promises the best of both stocks and bonds: gains and protection, wrapped neatly into one.
Traditionally, only wealthy investors working with private bankers had access to investments that tie your upside performance to the stock market and provide a customizable cushion under losses.
But lately these once-exclusive investment arrangements, known as structured products, have gone mainstream in the form of an annuity, and retirement investors are plowing money into them at a record-busting pace.
Wink’s Moore on the Market: This article gives a pretty straightforward explanation of structured annuities/RILAs.
“In addition… the commissioned products come with surrender charges, typically of up to seven years.”
Nope, six years is the max Karen Hube.
Other than that correction, I would say this is a great educational article about structured annuities/RILAs.
Thanks for publishing it Barron’s. -sjm
