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Fixed annuities are designed for people who value safety, predictability, and guaranteed growth over market risk. ✅ Pros: • Guaranteed interest rates • Protection from market losses • Predictable income options in retirement • Tax-deferred growth ⚠️ Cons: • Lower growth potential than market-based investments • Limited liquidity during surrender periods • Inflation can reduce purchasing power over time Who should consider a fixed annuity? Individuals nearing retirement, retirees seeking stable i
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