Understanding Annuity Portfolio Rates

Shawn Plummer

CEO, The Annuity Expert

Annuity portfolio rates are important to understand if you are looking into investing in annuities. This type of investment can be a great way to save for retirement or other long-term goals, but it’s important to know what you’re getting into. In this guide, we will discuss annuity portfolio rates and what they mean for your investment. We’ll also provide some tips on how to find the best rates for your needs.

What Are Portfolio Rates?

Instead of identifying specific assets on which an annuity’s interest rate is linked, an insurer may use a pooling method in which it pools all of its assets. The insurance company will then establish the interest-crediting rate for all of its annuity contracts using the interest rate it gets on its overall portfolio of invested assets.

Whether an insurer credits interest based on a portfolio or new money rate, the effects will generally be similar in the long term.

Request A Quote

Get help from a licensed financial professional. This service is free of charge.

Contact Us

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

Scroll to Top