What Annuity Is The Best For Retirement? 
The one that pay the most with the least risk . But when it comes to retirement money , the older you are or closer to your retirement date , the more adverse you are to risk . All annuities should be purchased with the ultimate goal of generating income , ideally income you cant outlive . Currently fixed interest rates for ten year annuities are 3.25 % . That could change . Indexed annuities may pay more , but their performance is tied to market indices . Speaking of the market , variable annuities could pay the best , but could loss the most , may be even your entire deposit . Product suitability for each potential retiree is established by their risk tolerance , their liquidity needs , their length of time to accumulate and the length of time for distributions . Keep in mind that ultimately annuities should generate income , by withdrawals and/or annuitization . The older the annuitant is mortality credits become a player in the increased income amounts of life time annuities payout you cant outlive . 