Why MYGAs Beat CDs for Guaranteed Yield Today

In episode 50 of Annuities with Fexingo, Lucas and Luna tackle multi-year guaranteed annuities (MYGAs) versus certificates of deposit (CDs). With the Federal Reserve's rate cuts pausing in mid-2026, MYGAs are offering a 50-80 basis point yield advantage over comparable CDs, plus tax deferral. The hosts walk through a real-world comparison: a $100,000 five-year MYGA at 4.75% versus a five-year CD at 4.00%. They explain the surrender period, state guaranty association protection (usually $250,000), and why MYGAs make sense for conservative investors looking to lock in rates without market risk. They also touch on how MYGAs differ from fixed indexed annuities and when a CD ladder might still be better. A practical guide for anyone tired of low CD yields but scared of stocks. #MYGA #MultiYearGuaranteedAnnuity #FixedAnnuity #CD #CertificateOfDeposit #GuaranteedYield #InterestRate #RetirementIncome #FixedIncome #Laddering #StateGuarantyAssociation #TaxDeferral #SequencingRisk #Liquidity #Finance #Investing #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo