Common Myth: If You Want Guarantees, You Have to Sacrifice Strong Returns. This is False.
Podcasts > Your Personal Bank with Ferenc Toth
Monday, March 9, 2026
Ferenc Compares Index Annuities with the new Hybrid Annuities
1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.
2. Ferenc shares a new client case that compared an Index Annuity with a Hybrid Annuity.
Hybrid Annuity Index Annuity
Growth: Limited: capped at 11-17% annually Unlimited: no cap
Downside Protection: Partial: 10-20% Full: principle guaranteed
Annual Fees: 2.5% None
3. If you have an annuity that has had under 7% returns the past couple of years, you have a subpar product with poor returns. You should consider comparing a superior product.
4. If you have an early surrender penalty, bonuses of 22-29% are available to offset the penalty with strong index options.
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