--- title: Worry-Free with index annuities ... not likely description: Worry-Free with index annuities ... not likely image: https://blog.globalviewinv.com/hubfs/Imported_Blog_Media/Seniors.png --- [![3_Global-View-SMALL_long_black](https://globalviewinv.com/wp-content/uploads/2025/10/3_Global-View-SMALL_long_black-scaled.png#130)](https://globalviewinv.com) ✕ - [About Us](https://globalviewinv.com/about-us/) - [Our Story](https://globalviewinv.com/about-us/) - [Our Founder](https://globalviewinv.com/about-us/) - [Meet Our Team](https://globalviewinv.com/about-us/) - [Your Fee-Only Fiduciary Partner](https://globalviewinv.com/about-us/) - [Referral Partners](https://globalviewinv.com/about-us/) - [Why Global View](https://globalviewinv.com/why-global-view/) - [Your Independent Advocate](https://globalviewinv.com/why-global-view/your-independent-advocate/) - [Real Risk Management](https://globalviewinv.com/why-global-view/real-risk-management/) - [Family-Office-Style Services](https://globalviewinv.com/why-global-view/family-office-style-services/) - 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[Quick Guides](https://globalviewinv.com/quick-guides/) - [Videos](https://www.youtube.com/@Globalviewinv) - [Client Login](https://globalviewinv.com/client-login/) [![6_Global-View-Icon-black](https://globalviewinv.com/wp-content/uploads/2025/10/6_Global-View-Icon-black-scaled.png#68)](https://globalviewinv.com) # Worry-Free with index annuities ... not likely ![](https://globalviewinv.com/wp-content/uploads/2025/11/gold-line.jpg) # Global View Investment Blog [![](https://blog.globalviewinv.com/hubfs/Imported_Blog_Media/Seniors.png)](https://blog.globalviewinv.com/2015/11/worry-free-with-index-annuities-not-likely) # Worry-Free with index annuities ... not likely [Fee-Only Fiduciary](https://blog.globalviewinv.com/tag/fee-only-fiduciary), [Global View News & Commentary](https://blog.globalviewinv.com/tag/global-view-news-commentary) Nov 9th, 2015 By: [Ken Moore](https://blog.globalviewinv.com/author/ken-moore) [![Seniors](https://blog.globalviewinv.com/hs-fs/hubfs/Imported_Blog_Media/Seniors.png?width=480&height=275&name=Seniors.png)](http://globalviewinv.com/) Index annuities were designed in 1995 to create CD returns.  That is what they have historically done and will continue to do.  While there may be anomaly years at times current offerings are pretty much going to give CD returns.  Unfortunately there are a lot of folks out there (including radio talk show hosts) hawking these products when markets correct, preying on investor's fear and simply not telling the truth!  I know because some of my clients (intelligent clients) have been pitched these. In the world we live there is no return without risk.  Investors make money by making good choices based on the odds.  The odds are based on fundamentals which we believe to be investment quality, valuation, and growth.  Investors like John Maynard Keynes, Warren Buffett, and others, have been making these bets since the 1920s and navigating long-term risk.  If someone is pitching you an annuity or insurance, we would love to dissect this and give you the transparent truth as well as honest alternatives. You can't be risk-free, but you can be worry-free.  Contact me to learn more about Worry-Free Portfolio Management.  The first tenet is to avoid conflicts of interest.   Insurance agents are incentivized to sell insurance.  Since we got rid of our licenses over 5 years ago we do not have that conflict. [http://globalviewinv.com/contact/](http://globalviewinv.com/contact/) ![Ken Moore](https://blog.globalviewinv.com/hubfs/Ken%20Moore%20Global%20View.jpg) ### Written by [Ken Moore](https://blog.globalviewinv.com/author/ken-moore) Ken’s focus is on investment strategy, research and analysis as well as financial planning strategy. Ken plays the lead role of our team identifying investments that fit the philosophy of the Global View approach. He is a strict adherent to Margin of Safety investment principles and has a strong belief in the power of business cycles. On a personal note, Ken was born in 1964 in Lexington Virginia, has been married since 1991. Immediately before locating to Greenville in 1997, Ken lived in New York City. [LinkedIn](https://www.linkedin.com/in/kenneth-moore-cfp-r-4492a47/) [Read other posts](https://blog.globalviewinv.com/author/ken-moore) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### **Are you on track for the future you want?** Schedule a free, no-strings-attached portfolio review today. 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