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MYGA
Multi-Year Guarantee Annuities
Multi-Year Guarantee Annuities (MYGAs) are also called fixed-rate annuities and are a specific annuity product type that functions similarly to a CD (Certificate of Deposit). Both MYGAs and CDs contractually guarantee an annual interest rate for a specified period, have no annual fees and are fully principal protected.
Contractually guaranteed annual interest rate.
Lock in periods can be short term or long term.
Tax-deferred growth in non-IRA accounts.
Rates are typically higher than CDs.
Interest compounds tax-deferred in a non-IRA account.
No fees, moving parts, or market attachments.
Can be laddered like CDs and Bonds.
Full principal protection.
