Adding Annuities to your 401(k)?

With the volatility of the market, and this is seen most recently in the first quarter of 2026, a lot of workers are wanting guaranteed interest and investment options in their portfolio account in their 401(k).

Some employers offered a fixed account investment option, but some are Money Market accounts, which don't usually offer a high rate of return.

The Secure Act and Secure Act 2.0 have mentioned that options for higher guaranteed rates of return be offered in all retirement plans. Employers are NOT required, at this time, to offer them, so employees are encouraged to use in-service withdrawals and distributions and purchase them with those funds, as a rollover, and seperate from their 401(k).

It is likely that more plans will either offer annuities as an investment option IN the plan or more available options to withdraw and invest on your own.

As always, before you do that, be sure the company is highly rated by BESTS, as you want to be sure you are with a safe and reputable company and agent.

We offer a wide option of companies and interest rates for periods as quick as 2 years, 3 years, and up to 7 years. Please contact us with any questions you may have.