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Mutual Funds versus Annuities

Mutual Fund

Mutual funds offer no guaranteed rate of return. If you decide you want a guaranteed return, you must transfer your account to a fixed annuity - this could cost you money!

You can choose only mutual funds.

You can transfer only between funds offered by one company, i.e. Fidelity.

Variable Annuity

A fixed account has the principal guaranteed by the assets of the company and a minimum rate of return.

It provides more flexibility for the safety oriented client because you have a fixed account.

You have a choice between some of the finest mutual fund sub-accounts, i.e. Janus, Fidelity, Vantage.