Railroad Canyon Financial Services
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Fixed Index Annuity

Fixed Index Annuities help maximize both growth and safety for
retirement dollars. Contract owners share in the increase of a stock
market index, but are not affected.

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Crediting Methods

A fixed index annuity is different from other annuities because of the
way it credits interest to the annuity's value. Some annuities will credit
interest to the

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Monthly Caps

Most index annuities put an upper limit, or cap, on the index-based
interest. This is the
maximum amount of interest the annuity will earn
per year
. One popular type of

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Time Commitment

When you buy an annuity you are agreeing to fold the contract for a
certain time period. The time period can be as short as one year and
as long as forty years.

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