{"id":321,"date":"2018-05-03T18:12:00","date_gmt":"2018-05-03T18:12:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog-2023\/?p=321"},"modified":"2023-06-22T19:58:32","modified_gmt":"2023-06-22T19:58:32","slug":"buffer-annuity","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/","title":{"rendered":"What Is A Buffer Annuity?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"321\" class=\"elementor elementor-321\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d53a4de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d53a4de\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-339a3d9\" data-id=\"339a3d9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e2f5e44 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2f5e44\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4389a90\" data-id=\"4389a90\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-922c840 elementor-widget elementor-widget-text-editor\" data-id=\"922c840\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Buffer annuities have been gaining attention in the investment world. At its most basic, a buffer annuity allows you to participate in the growth of a\u00a0<a href=\"https:\/\/www.fool.com\/knowledge-center\/what-is-a-stock-index.aspx\" target=\"_blank\" rel=\"noopener\">stock market index<\/a>\u00a0while protecting you from certain amounts of loss in your savings.<\/p><p>There are, however, many details that are worth understanding. First, these annuities will typically cap the amount of growth you can see every year. Second, there is potential to lose money if the stock market indexes fall farther than the level of protection offered by the annuity.<\/p><p>(<a href=\"https:\/\/www.simplywise.com\/blog\/fixed-index-annuity-everything-you-need-to-know\/\">To learn more about fixed income annuities, we recommend checking out our comprehensive guide<\/a>)<\/p><h2>How a Buffer Annuity Works<\/h2><p>So let\u2019s say you put some money into an annuity for a lockup period of six years, and that annuity is linked to the S&amp;P 500. You can then choose an option where you are protected against a loss of up to 10%. If the market goes down 15% in the first year, you are protected from the first 10% in that loss, meaning you\u2019re only on the hook for a loss of 5%.<\/p><p>Lets now say that the market went down 5% that year. You lose nothing in this case. The insurance company incurs the full loss, because you are protected up to 10% for that year.<\/p><p>The trade-off? Buffer annuities also put a cap on your gains by capping your upside at an agreed upon rate. So if the cap rate is 5% and the market goes up 10%, you\u2019ll only receive a 5% return on that investment for the year.<\/p><p>If the market goes up 3%, you\u2019ll get your full return. This is because 3% is still below the cap rate for that year. These cap rates are reset by the insurer depending on market conditions at the end of each year, meaning there\u2019s no way to know what your contract will look like for the whole term.<\/p><h2>Pros and Cons of Buffer Annuities<\/h2><p>So what are the pros and cons? Although you absolutely can lose money with a buffer annuity, one pro is that you get a market-linked upside with some downside protection. While the principal investment isn\u2019t 100% guaranteed, as is the case for\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/fixed-index-annuity-everything-you-need-to-know\/\">fixed index annuities<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/investing-in-bonds-introduction\/\">bonds<\/a>, the opportunity to participate in stock market growth with controlled downside may be an interesting complement to portfolios for investors\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-retirement-benefits\/\">nearing retirement<\/a>.\u00a0\u00a0<\/p><p>The downside? This product is very complicated, with a cap rate that changes every year so you can\u2019t know the full terms you\u2019re agreeing to over the course of your contract. This makes financial planning difficult, as it can be hard to visualize what sort of average return to expect on your investment. Additionally,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/everyone-trying-sell-annuity\/\">these products tend to come with a high commission<\/a>\u2014typically 5\u201310% of what you put in\u2014so even though there isn\u2019t a headline cost that you\u2019re taking on, you need to take an expensive sales process into account. Should you decide the buffer annuity isn\u2019t for you, these products also typically come with a steep surrender charge, so you might pay dearly for any cancellation.<\/p><p>The buffer annuity is still in its infancy, so it is important for you and your financial advisor to really educate yourselves about the product to ensure that your interests are being met.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36d719a elementor-widget elementor-widget-template\" data-id=\"36d719a\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/elementor\/css\/custom-pro-widget-call-to-action.min.css?ver=1764022918\">\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Buffer annuities have been gaining attention in the investment world. At its most basic, a buffer annuity allows you to participate in the growth of a&nbsp;stock market index&nbsp;while protecting you from certain amounts of loss in your savings. There are, however, many details that are worth understanding. First, these annuities will typically cap the amount [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":322,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is A Buffer Annuity? - SimplyWise Cost Estimator<\/title>\n<meta name=\"description\" content=\"A buffer annuity allows you to participate in the growth of a stock market index while protecting you from certain amounts of loss in your savings...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is A Buffer Annuity? 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- SimplyWise Cost Estimator","description":"A buffer annuity allows you to participate in the growth of a stock market index while protecting you from certain amounts of loss in your savings...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/","og_locale":"en_US","og_type":"article","og_title":"What Is A Buffer Annuity? - SimplyWise Cost Estimator","og_description":"A buffer annuity allows you to participate in the growth of a stock market index while protecting you from certain amounts of loss in your savings...","og_url":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/","og_site_name":"SimplyWise Cost Estimator","article_published_time":"2018-05-03T18:12:00+00:00","article_modified_time":"2023-06-22T19:58:32+00:00","og_image":[{"width":1000,"height":667,"url":"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/shutterstock_557431024-1.jpeg","type":"image\/jpeg"}],"author":"Allie Fleder","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Allie Fleder","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/#article","isPartOf":{"@id":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/"},"author":{"name":"Allie Fleder","@id":"https:\/\/www.simplywise.com\/blog\/#\/schema\/person\/e1e876d7736d540f0047b6adc84e2ba1"},"headline":"What Is A Buffer Annuity?","datePublished":"2018-05-03T18:12:00+00:00","dateModified":"2023-06-22T19:58:32+00:00","mainEntityOfPage":{"@id":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/"},"wordCount":557,"publisher":{"@id":"https:\/\/www.simplywise.com\/blog\/#organization"},"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/","url":"https:\/\/www.simplywise.com\/blog\/buffer-annuity\/","name":"What Is A Buffer Annuity? 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