Best Variable Annuities
Our Recommendation
Variable annuities are best suited for younger investors that have maximized IRAs and company retirement plans. 
The great advantage to variable annuities# is their ability to defer tax on investments similar to other qualified retirement plans. Variable annuities transfer all investment risk on principal and earnings to the owner where as with fixed annuities all investment risk is assumed by the insurer thereby **guaranteeing earnings and principal to the owner. Younger investors should consider no load, no surrender, low fee variable annuities# to grow money for later in retirement.
Retirees and pre-retirees are frequently the marketing target of high fee variable annuities# promoting income **guarantees which make the investment risk to principal and earnings more attractive and the high fees of 3% to 5% seem more justifiable. Most prospective buyers are not aware that fixed annuities now have equal or better income **guarantees with to principal or earnings and typically no fees or minimal fees of less than 1%. Newer hybrid fixed annuity versions also allow for some index gains based on stock market upside with no downside stock market risk.
Below in our opinion are the three best no load, no surrender, low fee, variable annuities# that are likely to accomplish best, what variable annuities# were originally designed for.
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Variable Annuity Option One
- Very Low Fee structure
- Over 50 underlying investments many with low fees
- No surrender Charges
- No Death Benefit or Charges
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Variable Annuity Option Two
- Low Fee structure
- Optional step-up death benefit
- Over ten underlying ultra low cost investment funds
- No Surrender Charges
- Two death benefit options
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Variable Annuity Option Three
- Fee structure under one percent
- Over 50 underlying popular investments funds most with low fees
- No surrender Charges
- Death Benefit Charges Included
- Future Income Rider optional
Disclosure:
Determining the best variable annuity# based solely on the above information is impossible to do in a general sense as presented. Each individual that funds a variable annuity# has unique factors and objectives. Our attempt to identify the three best variable annuities# is based on our opinion. This is to be used for general conceptual and educational purposes only. Do not substitute this information in lieu of receiving professional financial planning advice from qualified experts for your unique and individual situation.