Talk:Equity-indexed annuity

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I am not sure this article is in the correct group. Statoman71 (talk) 23:53, 3 October 2011 (UTC)[reply]

I added a section of US taxation based on a CNBC article mentioning the downsides of annuities in regards to both income and estate taxation. Nofway (talk) 17:14, 19 June 2014 (UTC)[reply]

I would go further with this merger idea and merge both with Annuity (American). — Preceding unsigned comment added by Producerpete8 (talk • contribs) 04:49, 11 January 2019 (UTC)[reply]

Merger proposal

I propose that Equity-indexed annuity be merged into Fixed annuity. An equity-indexed annuity is more commonly called an indexed annuity, according to that article, and the fixed annuity article already overlaps this content when it describes the two types of fixed annuities as being traditional fixed annuities and indexed annuities.Timtempleton (talk) 20:44, 20 February 2015 (UTC)[reply]

Both articles mentioned above should be merged into Annuity (American) 1-11-2019 — Preceding unsigned comment added by Producerpete8 (talk • contribs) 04:50, 11 January 2019 (UTC)[reply]

Dividends & a Review of Other Suggestions (a Review Review)

PARTICIPATION. Indexed annuities often have both caps (discussed in the article) and participation limits. For example--as discussed in the article--a cap could be 8%, meaning that the most one could earn in the indexed annuity for a given period (one year is typical) would be that percentage. But if the annuity also had a participation limit, say 75%, the result could be no more than 75% of 8% (8%*.75=6%) for the period.

DIVIDENDS. The indexes used for indexed annuities do not include dividends. Depending on the period of time measured (long-, mid-, or short-term), dividends usually compose between 30% and 40% of an index result. The index used in an indexed annuity is equal to the index minus dividends.

MERGING INDEXED ANNUITIES INTO THE FIXED ANNUITY DEFINITION. Why an indexed annuity is in some respects a fixed annuity, it is not exactly a fixed annuity. The indexed annuity seems to be a hybrid that is perhaps in the middle of a spectrum with fixed annuities on the left side, indexed annuities in the middle and variable annuities on the right. The indexed annuity has aspects of both fixed annuities and variable annuities, but it is also its own creature. Richard Hoe (talk) 16:25, 8 January 2017 (UTC)<personal teaching and product experience></ref>[reply]