Annuities
Secure Your Future: Discover the Promise of Annuities
Annuities Information
What are annuities?
Annuities are financial products designed to provide a steady income stream, typically during retirement. They are contracts between an individual and an insurance company. In exchange for a lump sum payment or series of payments, the insurance company agrees to make regular disbursements, either immediately or at some point in the future.
Types of Annuities
There are primarily two types of annuities: Immediate and Deferred.
Immediate Annuities
As the name suggests, with an immediate annuity, you make a single lump-sum payment to the insurance company and start receiving payments almost immediately. This is often chosen by retirees who want to ensure a steady income stream.
Deferred Annuities
With a deferred annuity, you make regular payments to the insurance company, and the payouts begin at a future date. This allows your investment to grow over time and is more suitable for those who are planning for future retirement.
Fixed vs. Variable Annuities
Fixed Annuities guarantee a certain payment amount, making them a more predictable investment.
Variable Annuities allow investors to choose from a basket of investments, and the payout will vary depending on the performance of these investments.
Benefits of Annuities
Annuities can offer tax-deferred growth, meaning you won’t pay taxes on your earnings until you withdraw the money. Additionally, there's no annual limit on the amount you can invest in an annuity, unlike other tax-deferred accounts.
Considerations for Annuities
Annuities as Part of Your Retirement Plan
When considering annuities, it's essential to think about your overall retirement plan. Annuities can provide a steady income stream, but they are just one piece of a comprehensive retirement strategy.
Flexibility in Annuities
Modern annuities offer flexibility in how you invest and receive payments:
Lump-sum option: Instead of regular payments, you might opt to take your benefit as a one-time payment.
Periodic withdrawals: This allows you to take funds from your annuity in amounts and at times of your choosing, within certain guidelines.
Income for life: Some annuities guarantee payments for the rest of your life, regardless of how long you live.
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