What to Do With Your 401k: Why an Annuity Might Be the Best Move

What to Do With Your 401k: Smart Moves for Retirement Planning

Retirement planning isn’t just about saving enough—it’s about making your money last. One of the biggest threats to your retirement? Longevity risk—outliving your savings.

Most retirees aren’t prepared for 20–30 years of post-retirement living expenses. And with inflation, market volatility, and healthcare costs rising, the old “set it and forget it” approach doesn’t cut it anymore.

Saving for Retirement Doesn't Have to Be Hard!

Why Fixed Index Annuities Stand Out

Fixed Index Annuities (FIAs) offer a unique combo of security and growth potential. Unlike risky investments, FIAs protect your principal while letting you benefit from stock market gains (without taking on market losses).

Flexibility + Security

FIAs let you choose income options that fit your needs—monthly, quarterly, or even lifetime payouts. You can tailor your plan to suit your lifestyle.

Balancing Risk and Growth

If you're wondering how to plan for retirement in today’s economy, you need a solution that doesn't force you to pick between growth or safety.

Safer Growth in Uncertain Times

FIAs credit interest based on market index performance—so you can enjoy potential upside while shielding your retirement savings from downturns.

Avoiding Market Losses

Market dips are inevitable—but they don’t have to devastate your nest egg.

How Indexing Protects Your Principal

With fixed index annuities, your worst-case scenario is earning 0% interest—not losing your savings. This built-in safety net is why FIAs are gaining popularity in smart retirement strategies.

Creating a Reliable Retirement Income

Once you stop working, you need a plan for consistent income that you can’t outlive.

No More Guesswork

FIAs convert your savings into a reliable income stream that can last the rest of your life—just like a personal pension.

Inflation Protection Built In

Rising prices can eat away at your spending power over time.

Some Plans Adjust Income Over Time

Many fixed index annuities offer income riders that include inflation-adjusted payments—so your purchasing power grows with you.

Who This Works Best For

Still wondering what to do with your 401k or IRA? FIAs are an ideal solution for people looking to roll over their retirement savings into something more predictable.

Not Just for the Ultra-Wealthy

You don’t need millions to benefit. Anyone with retirement savings looking for security and guaranteed income can take advantage of this powerful tool.

Mistakes to Avoid

Not all annuities are created equal, and timing is key.

Waiting Too Long, Ignoring Fees, and Other Pitfalls

Putting off a decision could mean missing out on stronger income guarantees. Be sure to review product fees and features with a licensed advisor to avoid surprises.

FAQs About Fixed Index Annuities

Let’s clear up some of the most common questions:

• What is an annuity? A financial product that provides income, often for life.

• What are annuities used for? Retirement income, principal protection, and tax deferral.

• Is my money locked up? Most plans offer penalty-free withdrawals after a set period.

• Can I lose money? Not with fixed index annuities. Your principal is protected.

• Are there fees? Some, yes—depending on riders and contract terms.

Book a Consultation

The earlier you take action, the more options and benefits you’ll potentially have. Whether you have a 401(k), 403(b), or IRA you’re no longer contributing to or just want a better plan for your retirement, we can help.

📞 Call Mountaineer Health and Life Insurance at 304-989-5809

📧 Email us at info@mountaineerhealthandlife.com

🌐 Schedule your free retirement review today — before the next market dip catches you off guard.