Fixed, Indexed, or Variable? Understanding the 3 Types of Annuities
Description:
🎙️ In this episode of The Keep It Simple Podcast, host Joey Badinger from AssetBuilder breaks down the three major types of annuities — Fixed, Variable, and Indexed — to help you understand how each one works, what guarantees they offer, and which risks to watch out for.
You’ll learn:

What annuities actually are and how they provide guaranteed income 💵
The difference between accumulation and payout phases
How inflation, fees, and surrender periods affect your returns
Key benefits and drawbacks of Fixed, Variable, and Indexed annuities
Why annuities can be valuable for retirement income — and when they may not be

Whether you’re nearing retirement or just trying to simplify your financial plan, this episode helps you keep it simple and invest smarter.
📩 Have questions?
Email: podcast@assetbuilder.com
🌐 Learn more: https://www.assetbuilder.com
Timestamps:
00:00 – Disclaimer & Introduction
00:40 – What Is an Annuity?
01:30 – Fixed Annuities Explained
03:15 – Accumulation vs. Payout Phases
04:20 – Liquidity & Inflation Risks
05:00 – Understanding Variable Annuities
06:15 – Riders, Fees, and Death Benefits
08:30 – Indexed Annuities and How They Work
09:30 – Cap Rates, Participation Rates, and Growth Limits
10:30 – The Pros and Cons of Indexed Annuities
12:00 – Inflation, Risk, and Long-Term Strategy
13:00 – When Annuities Make Sense
13:40 – Final Thoughts & How to Get Advice

Keywords:
annuity types, fixed annuity, variable annuity, indexed annuity, guaranteed income, retirement planning, assetbuilder, Joey Badinger, annuity explained, financial education, investment podcast, fiduciary advisor, Plano Texas financial advisor, compound interest, annuity vs IRA, retirement income planning

Hashtags:
#KeepItSimplePodcast #AssetBuilder #JoeyBadinger #RetirementPlanning #FixedAnnuity #VariableAnnuity #IndexedAnnuity #FinancialEducation #InvestingSimplified #GuaranteedIncome