Lifetime income streams
Reliable income is the cornerstone of a successful retirement.
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Annuities
78M million baby-boomers are heading into retirement. Lifetime income is needed now more than ever. An annuity can be an attractive option for those who prefer a predictable income stream without actively managing an investment portfolio themselves.
Benefits
Security
Annuities can provide a steady stream of income, helping to cover essential living expenses during retirement.
Diversification
Annuities can add diversification, especially if other investments are subject to market fluctuations.
Longevity Protection
Annuities with lifetime income options can protect against the risk of outliving your savings.
Tax Advantages
Earnings within annuities are often tax-deferred until withdrawal, providing potential tax advantages.
Considerations
Considerations
How annuities work
Fixed Interest Rate
Fixed Annuities
With fixed annuities, the insurance company guarantees a fixed interest rate for a specified period. The earnings are based on this predetermined interest rate. The interest earned is typically tax-deferred until withdrawal.
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Investment Performance
Variable Annuities
Variable annuities allow the policyholder to invest in a variety of sub-accounts, similar to mutual funds. The returns are based on the performance of these investments. However, the value of the annuity can fluctuate based on market conditions.
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Indexed Performance
Indexed Annuities
Indexed annuities link the returns to the performance of a specific market index, such as the S&P 500. The policyholder may receive a portion of the index's gains while being protected from its losses. There is often a cap or participation rate that determines the amount credited to the annuity.
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