Fixed Indexed Annuities Explained: Can You Lose Money, Are They Safe, and How Much Can You Earn?

 

You’re Telling Me I Can Participate in Market Gains Without Market Losses: What’s the Catch?

“You can participate in market gains without market losses.”

That statement sounds appealing: especially if you are approaching retirement and want growth potential without watching your savings fall every time the market declines. But it is important to understand what the statement really means, what it does not mean, and where the trade-offs may be.

The Short Answer: What Is the Catch?

This phrase usually describes a traditional fixed indexed annuity (FIA).

With a traditional FIA:

• Your interest may be calculated using the performance of a market index.
• You are generally not directly invested in stocks or the index.
• If the index falls during a crediting period, a contract with a 0% floor generally credits 0% interest instead of a negative return.
• If the index rises, your credited interest is usually limited by a cap, participation rate, spread, or another contract formula.
• Your money may be subject to a surrender period, withdrawal restrictions, taxes, rider charges, and other contract terms.

In simple language, the trade-off is usually:

> You receive downside protection under the contract, but you give up some upside potential and flexibility.

That can be useful for retirement planning: but only when the product’s terms match your goals, time horizon, and need for access.

How a Fixed Indexed Annuity Works

A fixed indexed annuity is an insurance contract issued by an insurance company. The insurer uses the performance of a selected index: such as the S&P 500: as a measuring tool to calculate interest credits.

You do not simply buy the index. You do not receive every dividend. Your account is not designed to mirror the index day by day.

Instead, the contract applies a specific crediting method. The result may be positive interest, zero interest, or a guaranteed minimum amount described in the contract.

What happens when the index falls?

Assume you place $100,000 into a traditional FIA with a 0% floor:

• The index falls 12% during the crediting period.
• The contract’s index-linked interest credit is generally 0%, not negative 12%.
• Your account is not reduced by that index decline alone.

However, this does not mean you can never receive less than $100,000. A surrender charge, market value adjustment, withdrawal, rider charge, or other contract provision could reduce the amount available if you take money out.

This is one of the most important distinctions:

• Market-loss protection: A 0% floor can prevent a negative index-linked interest credit.
• Complete financial protection: No annuity protects you from every possible cost, withdrawal consequence, tax, inflation risk, or insurer-related risk.

The example above is hypothetical. It is not a projection, forecast, or guarantee.

The Catch on Gains: Caps, Participation Rates, and Spreads

When the index rises, you may not receive the full index return. The contract’s formula determines the interest credited.

1. Participation rate

A participation rate determines the portion of the index gain used to calculate interest.

Hypothetical example:

• Index gain: 10%
• Participation rate: 60%
• Credited interest: 6%

The calculation is:

10% × 60% = 6%

A participation rate does not necessarily mean you own 60% of the index. It is simply part of the formula used to calculate interest.

2. Cap

A cap is the maximum interest rate that may be credited for a particular crediting period.

Hypothetical example:

• Index gain: 10%
• Contract cap: 5%
• Maximum credited interest: 5%

Even though the index gained 10%, the contract may credit no more than 5% for that period.

3. Spread or margin

A spread: also called a margin in some contracts: is subtracted from the index gain before interest is credited.

Hypothetical example:

• Index gain: 10%
• Spread: 2%
• Credited interest: 8%

The calculation is:

10% − 2% = 8%

Not every contract uses these features in the same way. Some contracts use a cap, some use a participation rate, some use a spread, and some offer several crediting strategies.

Dividends may not be included

Many indexed annuity calculations use a price index and do not include dividends paid by the companies in that index. Because dividends can make up part of an investment’s total return, this may further explain why an FIA’s credited interest can be lower than the index’s widely reported return.

A $100,000 Hypothetical Example

Imagine a traditional fixed indexed annuity with a 0% floor.

If the index falls

• Starting contract value: $100,000
• Index result: negative 12%
• Index-linked interest credit: generally 0%
• Market-related reduction from that index decline: $0

The value could still be affected by:

• A withdrawal
• A surrender charge
• A market value adjustment
• Contract or rider charges
• Other terms stated in the agreement

If the index rises

• Starting contract value: $100,000
• Index result: positive 10%
• Credited interest: depends on the contract formula

For example, the credit could be limited by:

• A 60% participation rate, producing a hypothetical 6% credit
• A 5% cap, limiting the credit to no more than 5%
• A 2% spread, producing a hypothetical 8% credit

These are examples only. Actual results depend on the specific contract, index, crediting method, rates, and applicable terms.

The Biggest Practical Catches

Understanding the fixed indexed annuity pros and cons requires looking beyond the headline.

Surrender periods and limited liquidity

Many FIAs have surrender periods lasting several years. If you withdraw more than the contract’s free-withdrawal amount or surrender the contract early, you may pay a surrender charge.

A contract may allow a limited annual withdrawal: often around 10%, although the actual amount varies: but you must read the contract carefully.

Ask:

• How many years is the surrender period?
• What is the surrender charge in each year?
• How much may I withdraw without a charge?
• Does the free-withdrawal amount change over time?

Market value adjustments

Some annuities include a market value adjustment, or MVA. Depending on interest-rate conditions and the direction of the adjustment, an MVA may increase or decrease the amount available when you withdraw or surrender funds.

Withdrawals can reduce future benefits

Withdrawals may reduce:

• Your account value
• Future interest-crediting potential
• Lifetime income benefits
• Death benefits
• The amount available to your beneficiaries

If you are considering an income rider, ask how withdrawals affect the rider’s benefit base and future income.

Charges for optional riders

Optional features: such as lifetime income, enhanced death benefits, or long-term care benefits: may have additional charges. A rider can provide valuable protection, but its cost and effect on the contract should be explained clearly.

Inflation risk

A fixed indexed annuity may protect your account from index-related losses, but it does not automatically protect your purchasing power.

If your income remains level while the cost of housing, food, healthcare, and other services rises, your income may buy less in the future. Retirement planning should consider both safety and inflation.

Insurer financial strength

Annuity guarantees depend on the claims-paying ability of the issuing insurance company. An FIA is not a bank account, and its guarantees are not based on the performance of the stock market.

Review:

• The insurer’s financial-strength ratings
• The company’s history
• The contract’s guaranteed minimum value
• Applicable state guaranty association limits

State guaranty association protection is limited and varies by state. It should not replace careful evaluation of the issuing insurer.

Taxes

Tax-deferred growth is not tax-free growth. When taxable earnings are withdrawn, they are generally taxed as ordinary income rather than capital gains.

A 10% federal additional tax may apply to the taxable portion of some withdrawals before age 59½, unless an exception applies. Tax treatment can depend on whether the contract is qualified or nonqualified and on your individual circumstances.

Consult a qualified tax professional before taking a significant withdrawal, surrendering an annuity, or completing a rollover.

FIA vs. RILA: These Products Are Not the Same

A traditional FIA should not be confused with a registered index-linked annuity, or RILA.

A traditional FIA with a 0% floor generally protects against a negative index-linked credit for the crediting period. A RILA may use a buffer or floor that provides only partial protection.

For example, with a RILA that has a 10% buffer:

• If the index falls 6%, the buffer may absorb the loss.
• If the index falls 15%, you may be responsible for the loss beyond the 10% buffer.
• On $100,000, a 15% index decline could result in an approximate 5% market-related loss before other adjustments.

A RILA may offer greater upside potential, but it also exposes you to market-related losses. Always ask:

> “Can my account value decline because of index performance?”

The answer may be different for an FIA and a RILA.

Potential Benefits vs. Trade-Offs

Potential benefits

• Protection from negative index crediting when a 0% floor applies
• Opportunity to receive interest linked to an index
• Tax-deferred accumulation
• Gains that may be locked in under the contract
• Optional lifetime retirement income features
• Death-benefit options for beneficiaries
• A possible source of annuity retirement income in 2026 and beyond

Potential trade-offs

• You generally do not receive the full index return
• Caps, spreads, and participation rates may limit growth
• Rates may be reset under some contracts
• Dividends may not be included
• Surrender charges may limit access
• Withdrawals can reduce future benefits
• Rider and contract charges may apply
• Inflation can reduce purchasing power
• Guarantees depend on the insurer’s financial strength
• Taxes may apply when money is withdrawn

Buyer’s Checklist: What to Review Before You Buy

Before purchasing a fixed indexed annuity, confirm the following in writing:

• Exact product type: traditional FIA or RILA
• Selected index
• Crediting method
• 0% floor or other protection level
• Current cap
• Participation rate
• Spread or margin
• Whether dividends are excluded
• Guaranteed minimum rates or values
• Renewal and rate-reset rules
• Surrender-period length
• Surrender-charge schedule
• Annual free-withdrawal amount
• Market value adjustment
• Rider charges
• Impact of withdrawals
• Insurer financial strength
• State guaranty association limits
• Tax treatment
• Beneficiary provisions
• Free-look period

You can also review Borde & Associates’ lifetime retirement income annuity information, key financial terms, and retirement and investment planning services.

Frequently Asked Questions

What is the catch with participating in market gains without market losses?

The main catch is limited upside and reduced liquidity. You may avoid negative index-linked credits, but caps, participation rates, spreads, charges, taxes, and surrender rules can affect your results.

Can I lose principal in a fixed indexed annuity?

You generally do not lose principal because the linked index declines when a 0% floor applies. However, withdrawals, surrender charges, market value adjustments, rider charges, taxes, and other contract terms can reduce what you receive.

What happens when the index falls?

A traditional FIA with a 0% floor generally credits 0% for that crediting period rather than a negative return. A RILA may expose you to losses beyond its buffer or floor.

Do I receive the full market return?

Usually not. Your credited interest depends on the contract formula and may be limited by a cap, participation rate, spread, excluded dividends, or other terms.

Are fixed indexed annuities safe?

An FIA can provide valuable protection against index-related losses, but “safe” does not mean risk-free. Consider liquidity risk, inflation risk, tax risk, contract charges, and the issuing insurer’s financial strength.

Are FIAs the same as RILAs?

No. Traditional FIAs generally provide a 0% floor against negative index crediting. RILAs typically provide partial protection and can lose value when index losses exceed the stated buffer or floor.

How long is money locked up?

Many contracts have surrender periods lasting several years. You may have access to a limited free-withdrawal amount, but the exact rules vary by contract.

How do caps and participation rates work?

A participation rate gives you a percentage of the index gain. A cap sets a maximum credit. For example, a 60% participation rate on a 10% index gain may produce 6%, while a 5% cap may limit the credit to 5%.

Final Takeaway

The phrase “participate in market gains without market losses” can be accurate for a traditional fixed indexed annuity with a 0% floor: but it is incomplete without the details.

You are not receiving unlimited stock-market upside. You are not directly investing in the index. And you are not receiving protection from every possible cost or risk.

The real question is whether the contract’s:

• Downside protection
• Growth formula
• Income features
• Charges
• Liquidity rules
• Tax treatment
• Insurer strength

fit your retirement plan.

At Borde & Associates, we believe decisions become easier when the details are organized and explained clearly. To discuss your goals and questions, contact Borde & Associates or call 321-36-BORDE.

Educational disclaimer: This article provides general information for educational purposes only. It is not tax, legal, or individualized financial advice and is not a recommendation to purchase any insurance product. The actual annuity contract, including its terms, conditions, charges, limitations, and guarantees, controls. Guarantees are subject to the claims-paying ability of the issuing insurance company. Consult qualified insurance, tax, and legal professionals regarding your circumstances.

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Fidelity Says 2026 Retirees Will Spend $185,500 on Healthcare : Here's How to Prepare

As you look forward to your golden years, you picture tranquility, travel, and spending quality time with your family. However, achieving true peace of mind requires looking closely at the financial realities of aging. Recent research from Fidelity Investments reveals a sobering milestone that every future retiree must address: a single 65-year-old retiring in 2026 will need an estimated $185,500 in after-tax savings solely to cover medical expenses throughout retirement. For a retired couple, that figure climbs to an impressive $371,000.

Representing a 7.5% increase from the previous year, retiree healthcare costs 2026 projections underscore why proactive retirement healthcare planning is more critical than ever. At Borde & Associates, we have spent over a decade helping families across Florida and beyond navigate these exact milestones. We believe that understanding the numbers is the first step toward securing your family's financial future.

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The Dangerous Myth: Assuming Medicare Covers Everything

One of the most persistent misconceptions in retirement planning is the belief that government benefits take care of all medical bills once you turn 65. In fact, studies show that 54% of pre-retirees incorrectly think Medicare covers everything.

When you rely entirely on assumptions, unexpected medical bills can quickly derail even the most carefully crafted financial portfolio. Original Medicare (Parts A and B) and prescription drug coverage (Part D) provide a vital foundation, but they were never designed to cover 100% of your healthcare expenses.

To help you visualize how your medical expenses are distributed, consider the core breakdown of Fidelity’s 2026 projection:

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Breaking Down the $185,500 Figure: Where Does Your Money Go?

When evaluating how much do I need for retirement healthcare, it is essential to understand how these costs accumulate over a multi-decade retirement. Fidelity’s comprehensive estimate breaks down into three distinct financial pillars:

• 45% : Medicare Parts B & D Monthly Premiums: Ongoing monthly premiums for outpatient medical care and prescription drug coverage form nearly half of your projected medical outlays. For 2026, the standard Medicare Part B premium is set at $202.90 per month.
• 48% : Cost-Sharing (Deductibles, Copays, and Coinsurance): Nearly half of your lifetime medical budget goes toward out-of-pocket cost-sharing under Medicare Parts A and B. For instance, the Medicare Part A deductible for inpatient hospital care is $1,736, alongside standard doctor visit coinsurance and outpatient deductibles.
• 7% : Out-of-Pocket Prescription Drug Expenses: Copayments and coinsurance for generic, brand-name, and specialty medications not fully covered by your Part D plan.

Navigating these numbers requires clarity and expert oversight. As you evaluate health insurance retirement options, having a dedicated partner ensures no hidden out-of-pocket surprise catches you off guard.

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Relief on the Horizon: The 2026 Medicare Part D $2,000 Cap

Fortunately, legislative protections are evolving to safeguard retirees from runaway prescription costs. One of the most impactful changes for Medicare costs retirement 2026 is the ongoing implementation of the Medicare Part D $2,000 cap.

This federal cap limits annual out-of-pocket prescription drug spending for Medicare beneficiaries to $2,000. If you or your spouse manage chronic conditions requiring expensive specialty medications, this protection prevents catastrophic drug costs from depleting your retirement savings. Integrating this cap into your overall retirement roadmap provides an incredible safety net, and our team at Borde & Associates is here to help you select Part D plans that maximize these savings.

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The Elephant in the Room: Long-Term Care Costs

While Fidelity’s $185,500 estimate covers standard medical and prescription expenses, it leaves out one critical variable: long-term care (LTC).

Neither Original Medicare nor standard supplemental insurance covers extended custodial nursing home care or prolonged in-home assistance. In today's economy, nursing home care can easily exceed $128,000 per year. When factoring in potential long-term care needs, a retired couple in 2026 could realistically spend between $315,000 and $400,000 in lifetime medical and care costs.

Failing to plan for long-term care is one of the quickest ways to erode generational wealth. That is why proactive families incorporate dedicated long-term care insurance and hybrid asset vehicles into their wealth preservation strategies.

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Smart Strategies to Protect Your Retirement Wealth

Preparing for these rising expenses does not have to be overwhelming. By implementing proven financial strategies today, you can safeguard your lifestyle and health:

1. Maximize Health Savings Accounts (HSAs)

If you are still working and enrolled in a high-deductible health plan, contributing to an HSA offers an unmatched triple-tax advantage. Contributions are tax-deductible, funds grow tax-free, and withdrawals for qualified medical expenses are entirely tax-free. In retirement, HSA dollars can be used tax-free to pay for Medicare premiums, deductibles, and Medigap costs.

2. Evaluate Medigap and Supplemental Coverage

Because Original Medicare leaves significant cost-sharing gaps (deductibles and 20% coinsurance under Part B), enrolling in a Medicare Supplement (Medigap) policy or a comprehensive Medicare Advantage plan is essential. Reviewing Medigap costs 2026 alongside your annual budget ensures you lock in predictable monthly expenses rather than unpredictable medical bills.

3. Generate Guaranteed Lifetime Income with Annuities

Healthcare inflation is relentless, which means your retirement income needs to be resilient. Utilizing an annuity retirement income 2026 strategy can establish a reliable, recurring stream of income dedicated to covering essential living and medical expenses, shielding your portfolio from market volatility.

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Tailoring Your Plan for Florida Retirement Healthcare

For residents living in the Sunshine State, Florida retirement healthcare presents unique opportunities and considerations. With a vibrant community of retirees, Florida boasts an extensive network of specialized medical providers, top-tier hospitals, and diverse Medicare plan options.

However, navigating the sheer volume of choices can feel daunting. Whether you are relocating to Florida for retirement or have lived here for decades, working with local professionals who understand state-specific insurance regulations and regional provider networks makes all the difference.

At Borde & Associates, we pride ourselves on being your trusted local guide. We take the time to review your current portfolio, evaluate your healthcare exposure, and design a customized protection plan tailored to your family's needs.

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Secure Your Family's Future Today

Rising healthcare costs are an inevitable reality of aging, but financial uncertainty does not have to be. By confronting these projections now, utilizing smart savings vehicles like HSAs and annuities, and securing the right Medicare and supplemental coverage, you can protect your hard-earned assets and enjoy your retirement with total confidence.

We invite you to take the next step toward financial security. Contact Borde & Associates today to schedule your personalized consultation. Explore our comprehensive Medicare options, health insurance plans, and lifetime retirement income annuity solutions. Let us help you put a secure, reassuring plan in place so you can focus on what matters most: living your best life.

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How Much Do You Really Need to Retire in Brevard County? (2026 Guide)

For many, the dream of retirement is painted in shades of Atlantic blue and sunset orange. As you look toward your golden years, few places offer a more compelling blend of lifestyle and value than Florida’s Space Coast. But as we move through 2026, the question remains: How much do you really need to retire comfortably in Brevard County?

At Borde & Associates, we have spent over a decade helping families like yours navigate the complexities of retirement and financial planning. We believe that security comes from clarity. Whether you are eyeing a quiet inland retreat in Viera or a coastal condo in Indialantic, understanding the local economic landscape is the first step toward a worry-free future.

In this comprehensive guide, we will break down the true costs of a Brevard retirement, from housing and insurance to healthcare and lifestyle, so you can leave your working years behind with a sense of total security and financial protection.

The Brevard Advantage: Cost of Living in 2026

The good news for those planning their future here is that Brevard County remains remarkably competitive. Current data for 2026 shows that the cost of living in Brevard is approximately 4.4% below the U.S. average and 7.3% below the Florida state average.

While major metros like Miami or Naples can stretch a nest egg to its breaking point, the Space Coast offers a high quality of life without the "premium" price tag of South Florida. However, "affordable" is relative, and your specific target will depend heavily on the lifestyle you choose to lead.

• Inland Retirement Spending: For a comfortable, mid-range lifestyle in areas like Rockledge or West Melbourne, retirees should plan for approximately $72,000 per year in total spending.
• Premium/Coastal Lifestyle: If your heart is set on oceanfront views or exclusive golf communities, your annual budget will likely shift to the $80,000–$120,000 range.

Housing: The Inland vs. Coastal Divide

Where you choose to plant your roots in Brevard County is the single biggest variable in your retirement budget. The "Inland vs. Coastal" choice doesn't just change your view; it fundamentally alters your insurance, taxes, and maintenance costs.

1. Inland Living (Rockledge, West Melbourne, Viera)

Inland communities offer modern amenities, proximity to top-tier medical facilities, and a more stable cost structure.

• Home Prices: Expect to find high-quality single-family homes in the upper $300,000 to $400,000 range.
• Property Taxes: Typically hover around $3,800 per year after the Florida Homestead Exemption. One of the greatest benefits of retiring here is the "Save Our Homes" cap, which protects you from rapid tax increases as property values rise.

2. Coastal Living (Melbourne Beach, Satellite Beach, Cocoa Beach)

Living on the barrier island offers unparalleled access to the ocean, but it comes with a higher "entry fee."

• Home Prices: Coastal and waterfront homes generally start around $600,000 and can easily exceed $1.5 million for premium locations.

Protecting Your Investment: The Insurance Landscape

As an insurance-focused firm, we cannot overstate the importance of budgeting for protection. Florida’s insurance market requires expert navigation to ensure you are covered without overpaying.

• Homeowners Insurance Tips: In 2026, inland residents are seeing premiums between $2,800 and $5,500 per year. However, if you live coastal, those figures jump to $8,000–$14,000 per year due to wind and salt-air exposure.
• Flood Insurance: Regardless of your zone, we often recommend flood coverage, which typically adds $1,500–$3,000 per year to your budget.
• Wind Mitigation: We highly encourage our clients to look into the "My Safe Florida Home" grants. You may be eligible for up to $10,000 in state funds to retrofit your home with impact windows or roof-to-wall straps, which can drastically lower your annual premiums.

Healthcare: The "Silent" Retirement Expense

Healthcare is often the most underestimated expense in retirement planning. For a Medicare-eligible couple in Brevard County, we recommend budgeting roughly $11,000 per year. This includes:

• Medicare Part B premiums.
• Medicare Supplement (Medigap) or Advantage plans.
• Prescription drug coverage (Part D).
• Routine out-of-pocket costs for dental, vision, and co-pays.

Planning for these costs early ensures that a medical event doesn’t derail your lifetime retirement income strategy. We pride ourselves on helping you find the right balance of coverage to keep your costs predictable and your care exceptional.

The "Million Dollar" Math: What Does Your Portfolio Need to Do?

Many of our clients ask if a $1 million nest egg is still the "magic number" for retirement in 2026. In Brevard County, the answer is often a resounding yes: provided it is paired with Social Security and a sound strategy.

Consider this realistic scenario for a couple:

1. Social Security Income: Approximately $54,000 per year (combined).
2. Portfolio Income: With a $1,000,000 portfolio, a conservative withdrawal rate of 1.8% to 3.5% generates an additional $18,000 to $35,000 per year.
3. Total Annual Income: $72,000 to $89,000.

This level of income comfortably covers the $72,000/year "inland lifestyle" benchmark while leaving a buffer for travel, generational wealth building, or unexpected repairs. If your goal is a more premium coastal lifestyle, a nest egg of $1.3 million to $1.5 million provides that extra layer of security.

The Florida "Raise": Tax Efficiency

One of the most significant advantages of retiring in Brevard County is the lack of a state income tax. If you are relocating from a high-tax state like New York or Illinois, this move can feel like an immediate 5% to 10% raise.

• No tax on Social Security benefits.
• No tax on 401(k) or IRA distributions.
• No inheritance or estate tax.

By utilizing tax-free and tax-efficient retirement strategies, we help you keep more of what you’ve spent a lifetime earning.

How Borde & Associates Can Help

Planning for retirement shouldn't feel like a burden: it should be an exciting transition into your next chapter. At Borde & Associates, we specialize in staying organized and delegating responsibility so you don't have to. Our mission is to guide you through every choice, from selecting the right long-term care insurance to optimizing your investment portfolio for longevity.

We provide a wide range of services tailored to homeowners and families with household incomes of $50,000 and above, including:

• Comprehensive Retirement & Financial Planning: Creating a roadmap that lasts as long as you do.
• Medicare & Health Insurance Guidance: Simplifying the complex world of supplemental plans and drug coverage.
• Legacy Planning: Ensuring your hard-earned assets transition smoothly to the next generation.
• Home & Auto Protection: Safeguarding your most valuable assets against the unique risks of the Florida coast.

Ready to Build Your Space Coast Future?

Whether you are 25 and just starting your journey or 82 and looking to refine your legacy, expert guidance can ease your decisions and leave you with a sense of total security.

Receive resources & tools to help you stay organized and secure. Our team is proud to serve the Brevard community, and we are ready to assist you.

Contact Borde & Associates today to start your personalized 2026 retirement plan.

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Family Income Protection

Family Income Protection

If you have dependents (children, spouse or parents) who must rely on you and your income for financial security, watch this video to learn how easy and inexpensive it is to protect them from any economic adversity they would experience in your absence.

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Triple Compound Interest

If you are saving money for retirement, and you want to know how your money grows . . . watch this short video to learn how interest and tax rates effect your account value, as well as how long it takes to double your money.

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Special 401(k) for Business Owners Without Full Time Employees

If you work for yourself and have no employees working more than 1000 hours a year . . . watch this short video to discover the extraordinary benefits of a Solo 401(k) Plan.

For details contact 321-252-2340

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