Fisher Investments is a large investment management firm founded in 1979 and headquartered in the United States. It mainly provides investment management services to individual and institutional investors. Fisher Investments offers a wide range of investment products including stocks, bonds, ETFs, convertible bonds, etc. Its flagship product, Fisher Investments 401(k) Solutions, is designed primarily for 401(k) retirement plans. Fisher Investments’ investment philosophy is based on owner Fisher’s research that successful investing requires taking a long-term proactive approach without being swayed by emotions for short-term trading. It emphasizes globally diversified investing. Fisher Investments charges a percentage of assets under management as fees, paid quarterly. Its fee schedule varies based on asset size, with larger asset bases paying lower rates. Fisher Investments has received some criticism regarding its expensive fees and aggressive marketing tactics, but its long-term investment performance has been good. Most clients appear satisfied with its services.
Fisher Investments provides a range of annuity products to cater to investors’ retirement needs
As a full-service investment firm, Fisher Investments offers various annuity products to help investors save for retirement. Annuities allow investors to receive guaranteed income for life or for a set period of time. Fisher Investments’ annuity offerings include fixed, variable and indexed annuities. Its fixed annuities provide steady income at relatively low risk. Variable annuities offer exposure to stocks and bonds, aiming for higher returns but also taking on more risk. Indexed annuities provide some upside potential while limiting downside risk. Fisher Investments works with major insurance companies to make these annuity products available. Its financial advisers can help investors select suitable annuity products based on their retirement goals, time horizon and risk tolerance. While annuities may have higher fees than some other products, they can be an important component of a diversified retirement portfolio by providing reliable retirement income.
Fisher Investments incorporates annuities into 401(k) plans to generate guaranteed lifetime income
Fisher Investments 401(k) Solutions utilizes annuities to create retirement income options for plan participants. In particular, its Income Choice program offers deferred fixed indexed annuities within 401(k) plans. Participants can allocate a portion of their contributions to purchase units of annuities that provide guaranteed lifetime income. The income payments can start at a set retirement date in the future. This allows participants to secure a predictable stream of retirement income. The annuity purchases are made through regular payroll deductions, providing discipline. Fisher Investments reports that over 90% of plans using Income Choice have participants utilizing the annuity option. The annuities provide peace of mind while the rest of the 401(k) remains invested in stocks and bonds. This dual approach balances reliable income with growth potential. Fisher Investments regularly educates employees about annuity products and their benefits in achieving retirement security.
Fisher Investments’ annuity offerings aim to address retirement risks with products tailored to investors’ needs
Fisher Investments seeks to provide annuities matching clients’ specific circumstances. Annuities can help mitigate risks that retirees face such as longevity risk and shortfall risk. Its fixed annuities guarantee income for life regardless of how long one lives. Indexed annuities allow participation in market gains while establishing a floor for losses. By tailoring annuity solutions to investors’ unique objectives, Fisher Investments enables clients to utilize these products effectively as part of balanced portfolios to support financial security in retirement. Its annuity lineup, coupled with its personalized advice, strives to deliver outcomes aligned with investors’ long-term goals. Fisher Investments continues to educate investors on incorporating annuities into their holistic plans to potentially improve retirement outcomes.
Fisher Investments offers a range of annuity products and incorporates them into retirement strategies to help generate reliable lifetime income for investors. Its annuity solutions aim to address key retirement risks.