Maryland pre-retirees are discovering that MYGAs and fixed indexed annuities often outperform bank CDs, with guarantees and features banks can't match.
The gap nobody talks about
Maryland has high household incomes and rising retirement costs. Pre-retirees who don't have guaranteed income sources face real volatility risk in their retirement years.
A 5-year MYGA from a highly-rated carrier often pays 50 to 100 basis points more than a comparable bank CD, with tax-deferred growth and no FDIC cap issues for large balances.
Retiring in a down market while withdrawing from your portfolio is the single biggest retirement income threat. A fixed indexed annuity guarantees you never lose principal to market decline.
Housing, healthcare, and daily expenses in Maryland average $55,000 per year for a retiree. Social Security averages $21,600. The $33,000 gap between those numbers is what a guaranteed income annuity is designed to fill.
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