Fixed, Indexed, or Variable? Understanding the 3 Types of Annuities

Fixed, Indexed, or Variable? Understanding the 3 Types of Annuities

From Keep it Simple by assetbuilder

October 21, 2025 · 14 min · Episode 103

About this episode

This episode breaks down the three major types of annuities to help listeners understand their workings, guarantees, and associated risks.

Fixed, Indexed, or Variable? Understanding the 3 Types of AnnuitiesDescription:🎙️ In this episode of The Keep It Simple Podcast, host Joey Badinger from AssetBuilder breaks down the three major types of annuities — Fixed, Variable, and Indexed — to help you understand how each one works, what guarantees they offer, and which risks to watch out for.You’ll learn: What annuities actually are and how they provide guaranteed income 💵The difference between accumulation and payout phasesHow inflation, fees, and surrender periods affect your returnsKey benefits and drawbacks of Fixed, Variable, and Indexed annuitiesWhy annuities can be valuable for retirement income — and when they may not be Whether you’re nearing retirement or just trying to simplify your financial plan, this episode helps you keep it simple and invest smarter.📩 Have questions?Email: podcast@assetbuilder.com🌐 Learn more: https://www.assetbuilder.comTimestamps:00:00 – Disclaimer & Introduction00:40 – What Is an Annuity?01:30 – Fixed Annuities Explained03:15 – Accumulation vs. Payout Phases04:20 – Liquidity & Inflation Risks05:00 – Understanding Variable Annuities06:15 – Riders, Fees, and Death Benefits08:30…

People in this episode

Host: Joey Badinger

Topics covered

  • annuities
  • fixed annuities
  • variable annuities
  • indexed annuities
  • retirement income

Keywords

  • annuity types
  • fixed annuity

Mentioned in this episode

Books & works: The Keep It Simple

Places: Plano, Texas

More episodes of Keep it Simple

Explore listener stats, chart rankings, contacts and more on the Keep it Simple podcast page.