If you’ve been waiting for the perfect time to grab a guaranteed return without the stock market drama, congratulations—you just hit the jackpot.
MYGA (Multi-Year Guaranteed Annuity) rates are the best they’ve been in years, and if you’re not paying attention, you might miss out on one of the best retirement deals since early-bird specials were invented.
Let’s break down why MYGA rates are soaring, why you should act before they drop, and how to lock in a rate so good even your skeptical brother-in-law will be impressed.
Three Years Ago, MYGA Rates Were… Meh
Back in 2022, MYGA rates were about as exciting as watching paint dry. They hovered around 2.50% to 3.25%, which meant they weren’t terrible—but they weren’t exactly making anyone do a happy dance, either.
Fast forward to 2025, and things have changed BIG TIME. MYGA rates are now north of 5.50%, meaning you can lock in a guaranteed, tax-deferred return that actually keeps up with inflation—a miracle in itself!
Why Are MYGA Rates So Juicy Right Now?
A few things happened to make these rates so good:
- The Fed cranked up interest rates – They finally realized that people don’t like their savings accounts growing at the speed of a snail, or maybe it is inflation . Higher interest rates mean insurance companies have to sweeten the deal to attract investors.
- The stock market keeps doing the cha-cha – Up, down, up, down… If your retirement fund has been giving you whiplash, you’re not alone. MYGAs offer a stable alternative with zero market risk.
- Competition is fierce – Insurance companies are fighting for your dollars, which means they’re throwing out some of the best rates we’ve seen in decades. And unlike your cable company, they’re not raising prices the second you sign up.
Why You Shouldn’t Wait—Seriously, Don’t
These high rates aren’t going to last forever. If history tells us anything, it’s that when rates go up, they eventually come back down (kind of like your uncle after two rounds of golf).
Right now, you can lock in a guaranteed 5.50%+ return for 3, 5, or even 10 years. But if you wait too long, you might end up kicking yourself when rates drop back to the “meh” zone. And trust me, regret is worse than forgetting your anniversary.
Bottom Line: Lock It In & Sleep Easy
MYGAs are one of the best-kept secrets for retirees who want predictable, tax-deferred growth without worrying about stock market rollercoasters.
So, if you’ve got cash sitting around in a low-yield CD, a sad savings account, or buried in your backyard, it’s time to put it to work. Get a MYGA, lock in today’s high rates, and thank yourself later.
And if someone tells you MYGAs are boring? Just remind them—boring is beautiful when it comes with a guaranteed 5.50% return.