Variable annuities
Retirement isn’t the end. It’s the beginning.
The day you stop working is a brand new stage in life. Ideally, a long and happy one. But to live this new beginning to the fullest, you’ll need a reliable source of income. Sure enough, our research shows that having a guaranteed source of income in retirement is a top financial concern for 48% of working Americans.1
In a well-rounded retirement plan, you’ll want a mix of savings and investment options. If you’ve been exploring retirement strategies, you may have asked yourself: what is an annuity and how does it work? A variable annuity allows you to accumulate tax-deferred savings and then receive regular payments during retirement, either for the rest of your life or for a specific time period.
Why choose to invest in variable annuities?
Tax-deferred growth. Gains earned during the life of your variable annuity grow tax-deferred. This means that you don’t pay taxes until the gains are withdrawn. By the time you start receiving annuity payments in retirement, you could be in a lower tax bracket.
Beneficiary protection. A variable annuity offers various options that can help to give your beneficiaries a form of financial protection (typically referred to as a death benefit) in the event that you die during the accumulation period before you have begun to receive payments.
Consult with a financial professional to explore how variable annuities can help to provide flexibility and security to your retirement plan. A financial professional can help to build a plan that fits your goals so that you can make the most of your retirement.
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