In this episode, we explore how today’s shifting economic forces—interest rates, market volatility, and inflation—shape annuity payouts, income guarantees, and your overall retirement strategy. You'll learn how annuities are linked to the 10-Year Treasury, how insurance companies invest premiums into bonds, and how Fixed Index Annuities (FIAs) use options budgets to deliver growth with principal protection.We’ll walk through:The correlation between annuities and interest ratesHow carriers’ bond portfolios support guaranteed incomeWhat the 10-Year Treasury tells us about timing annuity purchasesHow FIAs build index-linked growth potential without risk of lossWhy inflation matters and how to build a resilient retirement income plan👇 Timestamps00:00 – Intro: New music and adapting to change01:00 – Economic shifts and their retirement impact03:00 – Why the economy matters more in retirement07:00 – Interest rates & annuity income correlation10:00 – What the 10-Year Treasury tells us13:00 – How insurance carriers invest annuity premiums16:00 – Options budgets in Fixed Index Annuities (FIAs)20:00 – Real example: 2020 vs. 2024 annuity payouts23:00 – Market volatility & sequence of returns risk27:00 – “Zero is your hero” and market downside protection30:00 – Inflation and how it affects annuity income33:00 – Ways to keep pace with rising costs36:00 – How to time annuity purchases strategically39:00 – Using the Multi-Point Annuity Inspection & Assurity Score42:00 – Final thoughts & how to get in touchSchedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper...Request Free Annuity Rates Report: https://annuityassociation.com/podcas...