Information on this website deals with general concerns, variables, and considerations, stemming from an educational perspective. It is meant only to be informational, and not indicative that one particular investment versus another is ideal, nor is it indicative that a particular investment or savings product has distinct advantages over another . Your returns will vary. CDs are FDIC-insured. The information found on this website does not constitute tax advice or investment advice. Consult your tax advisor. One should consider both the positives and the negatives of Mutual Funds, Stocks, Tax-Deferred Fixed and Fixed-Indexed Annuities, Bonds, and CDs. Investing in securities involves risk. *Guarantees associated with annuities are based on the claims paying ability of the insurance company. If considering any type of annuity (variable or fixed), other issues should always be considered such as liquidity and surrender Charges. All deferred annuities may have a Pre-59 1/2 distribution income tax penalty of 10 percent. Surrender penalty: Most annuity contracts have a fee if the contract is surrendered prior to the agreed timeframe (usually 4 to 10 years). No capital-gain treatment: All income generated from gains in any annuity is treated as ordinary income.