When Is A Good Time To Buy Annuities? 
There are three basic crediting methods for tax deferred annuities : fixed interest rate crediting , indice crediting and separate sub account crediting . No one can time the market on any of these crediting methods , but short fixed interest rate annuities are best bought as rates are declining . Indice crediting and separate sub account methods after a market a protracted market decline . Consult your adviser before moving forward with any purchase . 