After getting hammered by the financial crisis and its aftermath, many investors scrambled for the perceived the safety of bonds. In the wake of the staggering drop taken by the stock market as the recession accelerated, the steady stream of income provided by bonds made them particularly attractive to those approaching retirement.

But while many wrote it off during the recession, the stock market has turned in a stunning rally since hitting bottom in early 2009. And that has left many investors looking for ways to participate in stocks' future upside while continuing to run conservative portfolios.

A new variable annuity product launched by insurance company Western & Southern Financial Group could be appealing to these cautious investors. Mark Caner, president of W&S Financial Group Distributors, gave DailyFinance an overview of the product.

Some have questioned the value of variable annuities for investors, especially when fees run high. But exposure to gains in the stock market, which impact the future income stream of the product, and a cost advantage compared to similar products offered in mutual fund formats, are part of this product's appeal.

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How do I get e-mail to follow up on making an investment with S&W Financial? Please let me know

January 25 2011 at 11:03 PM Report abuse rate up rate down Reply

I see post by others that have lost money in variable annuitees; is there any annuity that hold down side to 0 and allows sharing in growth; and has an income
stream that begins once funded.

January 21 2011 at 5:07 PM Report abuse rate up rate down Reply

Lets face it, no one knows what they are doing. I lost my ass on variable annuity back in 2008. I'm still sore from it, I do not trust Wall Street or any Big Banks any more. Forget about Gold, its making a few people rich. I have move all of my money into food stocks. Everyone has to eat!

January 21 2011 at 2:20 PM Report abuse rate up rate down Reply

I watched you video on the variable annuity and it really didn't tell me anything other that the minimum investment was 25k. The video didn't mention if there were limits on how variable the rate could be or when payouts could start or give an example of the amount paid out. This information would have been very helpful.

January 21 2011 at 11:13 AM Report abuse rate up rate down Reply