Some of the Best Fixed Indexed Annuities for Secure Growth in 2025

As interest rates stabilize and market volatility remains a concern, fixed indexed annuities have become a top choice for conservative investors seeking growth potential with principal protection. Unlike traditional fixed annuities, these products tie a portion of returns to market indexes—typically the S&P 500—while guaranteeing no loss of principal when held to the end of the term. Here are four of the best annuities for retirement portfolios in 2025, combining competitive crediting strategies, low fees, and strong guarantees.

1. Allianz 222 Annuity

The Allianz 222 offers a compelling blend of flexibility and safety. It features an uncapped annual point-to-point crediting option alongside a more modest cap on indexed interest, allowing investors to choose between steady growth or upside potential. Independent Allianz 222 reviews highlight its generous participation rates—up to 105% of index gains—while maintaining a guaranteed minimum interest rate of 1.25%. Its transparency around fees and competitive bonus credits for higher premium tiers make it a standout choice for those seeking both growth and security.

2. Athene Agility 10

The Athene Agility 10-year fixed indexed annuity is ideal for investors planning a decade-long retirement horizon. It offers multiple crediting strategies, including monthly cap, annual spread, and point-to-point, with caps reaching 6.5% and spreads as low as 1.25%. Its 10-year term locks in competitive rates while providing a guaranteed minimum of 1% annual interest. The contract also includes a market value adjustment (MVA) feature, beneficial for investors who rarely need early withdrawals, as it can work in their favor when interest rates rise.

3. Canvas Annuity

The Canvas fixed indexed annuity distinguishes itself with its multi-index strategy, allowing investors to allocate premium across three distinct crediting methods: annual point-to-point, quarterly sum, and monthly average. This diversification can smooth returns and mitigate cap-based limitations. Learn more about Canvas Annuity rating. With participation rates up to 100% and no surrender charges after year seven, Canvas offers both flexibility and competitive growth potential, making it a strong contender for those prioritizing liquidity alongside secure growth.

4. New York Life Premier VI

Considered as one of the best annuities for retirement, though technically a fixed annuity, New York Life’s Premier VI product includes a fixed indexed feature on a portion of premiums. It provides a 2% bonus on premiums paid in the first year, a guaranteed minimum rate of 1.5%, and the option to link up to 50% of your premium to the S&P 500 index with a cap of 7%. Backed by New York Life’s top-tier financial strength ratings, this option delivers both solid guarantees and moderate growth potential.

Why Fixed Indexed Annuities Matter in 2025

In an environment where bond yields hover near historic lows and equity valuations are stretched, fixed indexed annuities offer a middle ground. They allow participation in market upside without risking principal, making them particularly attractive for conservative retirees or pre-retirees. Additionally, the tax-deferred status of earnings enables compounding growth without annual taxation, further boosting effective returns.

Choosing the right fixed indexed annuity depends on your time horizon, liquidity needs, and risk tolerance. By comparing features such as crediting methods, caps, spreads, and bonus credits, you can select the product that best aligns with your retirement goals. For detailed, independent reviews and personalized guidance on selecting the best annuity for retirement, visit Annuity Gator today.