{"id":39,"date":"2026-09-16T12:00:00","date_gmt":"2026-09-16T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/neashaminsuranceagency-com\/2026\/09\/16\/mutual-funds-vs-fias-protect-growth-create-income\/"},"modified":"2026-09-16T12:00:00","modified_gmt":"2026-09-16T12:00:00","slug":"mutual-funds-vs-fias-protect-growth-create-income","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/09\/16\/mutual-funds-vs-fias-protect-growth-create-income\/","title":{"rendered":"Mutual Funds vs. FIAs: Protect Growth, Create Income"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Mutual funds and fixed indexed annuities can serve different roles in a retirement strategy. Mutual funds provide market participation and flexibility but may lose value during downturns. Fixed indexed annuities may offer tax-deferred growth, protection from market-index losses, contract bonuses, and guaranteed lifetime income you cannot outlive. However, these benefits can come with caps, participation rates, fees, surrender charges, limited liquidity, and insurer-dependent guarantees. Bonuses are not free and may have vesting rules. A fiduciary advisor can help compare the full contract\u2014not just the headline benefit\u2014against your objectives, risk tolerance, tax situation, and income needs.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mutual funds and fixed indexed annuities can serve different roles in a retirement strategy. Mutual funds provide market participation and flexibility but may lose value during downturns. Fixed indexed annuities may offer tax-deferred growth, protection from market-index losses, contract bonuses, and guaranteed lifetime income you cannot outlive. However, these benefits can come with caps, participation [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":99,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-39","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/39","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=39"}],"version-history":[{"count":0,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/39\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/99"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=39"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=39"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=39"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}