Are you confused about how to allocate your funds inside a Fixed Index Annuity, especially in a volatile market like we are seeing in May 2026? Should you lock in a guaranteed fixed interest rate, or should you bet on the stock market index?

In this video, Shawn Plummer from The Annuity Expert breaks down exactly when to use the fixed account versus the index account to maximize your growth. Shawn explains why a volatile market with strong fixed rates (4% or higher) makes the fixed account a total no-brainer. If you choose the index account during a rocky year, you are highly likely to end up with a "bagel" (a 0% return)!

He also shares his "Keep It Simple, Stupid" (K.I.S.S.) method for choosing your market index. He issues a massive warning against the engineered, "mutated" indices that insurance companies use to trick buyers with fa ...