There are a few scattered bright spots and one of them is Brighthouse SecureAdvantage 6, a relatively new fixed indexed annuity that is unlike virtually every other FIA.<\/em><\/strong><\/p>\n\n\n\n Brighthouse SecureAdvantage 6 Is Markedly Different From Other FIAs \u2013 And That\u2019s Why It\u2019s Worth Discovering Now.<\/p>\n\n\n\n This is an extraordinarily tough period for investors. Most traditional options are sketchy or worse. The benchmark 10-year U.S. Treasury note is yielding well below 1%. Stocks have generally been rising but many investment pros expect them to decline again, perhaps dramatically, because near-term economic prospects are abysmal.<\/p>\n\n\n\n Alternative investments, such as REITs, are no bargain, either. Millions of Americans are struggling to pay their rent, and office complexes nationwide are near-empty. Who is to say that working from home \u2013 rather than in an office \u2013 will not remain the norm, rather than the exception, for the foreseeable future?<\/p>\n\n\n\n There are a few scattered bright spots, however, and one of them is Brighthouse SecureAdvantage 6, a relatively new fixed indexed annuity (FIA) that is unlike virtually every other FIA. You have to stick with an investment in the S&P 500 or the Russell 2000 for six years (but for this example we will just use the S&P 500) and no interest is credited to your account until then. This may sound like a negative but is actually a positive because, as one annuity pro familiar with the product says, \u201cit forces you to buy and hold \u2013 exactly what you should probably do at this point, and has historically rewarded investors 100% of the time.\u201d<\/p>\n\n\n\n This is hardly the only attraction. Brighthouse SecureAdvantage 6 offers an unusually high index participation rate \u2013 50% for most investors, at least 40% higher than the rates offered by the next most competitive FIA and 100% higher than the #3 product, which alongside most annuities have recently trimmed their rates substantially. In the case of this annuity, Brighthouse guarantees that the participation rate will not be changed during the entire 6-year term. Note: The other top FIAs offering 30% and 35% are 10-year term annuities and the participation rate can change every year up or down.<\/p>\n\n\n\n And since this annuity offers no guaranteed income rider, there are no fees, boosting returns.<\/p>\n\n\n\n There is one negative, at least theoretically, and this, in particular, makes Brighthouse SecureAdvantage 6 different from the herd. If the S&P 500 declines more than 10% in a given year, this subtracts from your market gains, albeit not your principal. Still, it is a loss of sorts, impacting the size of your ultimate payouts, and sharply contrasts with other FIAs, which guarantee against any losses whatsoever.<\/p>\n\n\n\n <\/p>\n\n\n\n S&P 500 IndexBrighthouse SecureAdvantage 6 Fixed Index Annuity Hypothetical Performance Based on Current Non-Guaranteed Rates and Historical Index Returns<\/strong><\/h4>\n\n\n\n