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Cap Rates, Participation Rates, and Spreads: How Fixed Indexed Annuities Actually Calculate Your Interest

Cap Rates, Participation Rates, and Spreads: How Fixed Indexed Annuities Actually Calculate Your Interest

Cap Rates, Participation Rates, and Spreads: How Fixed Indexed Annuities Actually Calculate Your InterestJeff Frankenfield
Published on: 10/06/2026

Cap rate, participation rate, spread: the three terms that determine how a fixed indexed annuity actually calculates your credited interest, explained in plain language.

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How a Fixed Indexed Annuity Turns Savings Into a "Paycheck"

How a Fixed Indexed Annuity Turns Savings Into a "Paycheck"

How a Fixed Indexed Annuity Turns Savings Into a "Paycheck"Jeff Frankenfield
Published on: 09/10/2026

A plain-language look at how fixed indexed annuities work, how an income rider can turn a lump sum into lifetime income, and where they fit alongside growth-focused investments.

annuitiesfixed indexed annuityretirement income
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