Steady growth and guaranteed rates of return

Fixed deferred annuities can be well suited for investors who are looking for the safety of a more conservative retirement investment. A fixed annuity offers the stability of a fixed, guaranteed² rate of return. Plus, the interest you earn is tax-deferred until you begin making withdrawals.³ Fixed annuities also offer the advantage of competitive interest rates versus many other fixed-rate products.

Schwab offers a line-up of fixed annuities⁴that provide the stability of competitive rates for a variety of time horizons to suit your needs. You can fund a fixed annuity with cash, assets from a direct IRA transfer or a tax-free Section 1035 exchange from another annuity.

1. Early withdrawals are subject to market value adjustments, which may either be positive or negative.
2. All guarantees depend on the claims paying ability and strength of the issuing insurance companies.
3. All withdrawals of tax-deferred earnings are subject to current income tax, and, if made prior to age 59½, may also be subject to a 10% federal income tax penalty.
4. Charles Schwab & Co., Inc., is a licensed insurance agency that distributes insurance products issued by leading insurance companies that are not affiliated with Schwab.

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Have questions about annuities at Schwab?

Call 888-311-4889 (M-F, 6:00 am-4:30 pm PST) to speak with an annuity specialist or email us.

Request an annuity kit by mail.