分割年金策略

当金融市场变得不稳定时, some investors show their frustration by fleeing the markets in search of alternatives that are designed to offer stability.

For example, in the first quarter of 2020, the S&P 500 lost nearly 20% of its value, over $5 trillion, due to market volatility.¹

For those looking for a way off Wall Street’s roller-coaster ride, 年金可能是一个有吸引力的选择.

年金是与保险公司签订的合同. 合同, which can be funded with either a lump sum or through regular payments, are designed as financial vehicles for retirement purposes. 作为保费的交换, the insurance company agrees to make regular payments — either immediately or at some date in the future.

Meanwhile, the money used to fund the contract grows tax-deferred. Unlike other tax-advantaged retirement programs, there are no contribution limits on annuities. And annuities can be used in very creative and effective ways.

分割

One strategy combines two different annuities to generate income and rebuild principal. 下面是它的工作原理:

An investor simultaneously purchases a fixed–period immediate annuity and a single premium tax-deferred annuity, dividing capital between the two annuities in such a way that the combination is expected to produce tax-advantaged income for a set period of time and restore the original principal at the end of that time period.

Keep in mind that any withdrawals from the deferred annuity would be taxed as ordinary income. 当即时年金合约到期时, the process can be repeated using the funds from the deferred annuity (see example). 还记得, the guarantees of an annuity contract depend on the issuing company’s claims-paying ability.

黛安娜将

黛安娜平分300美元,000 between two annuities: a deferred annuity with a 10-year term and a hypothetical 5% return, and an immediate annuity with a 10-year term and a hypothetical 3% return. She places $182,148 in the deferred annuity and the remaining $117,852 in the immediate annuity. 在接下来的10年里, 即时年金预计将产生1美元,每月收入117英镑, 期末还剩几美元. 在同一时间, the deferred annuity is projected to grow to $296,700美元——有效地取代了她的本金.

年金有合同限制, 费用, 和费用, 包括帐费和管理费, 基础投资管理费, 死亡率和费用, 以及可选福利的收费. Most annuities have surrender 费用 that are usually highest if you take out the money in the initial years of the annuity contract. Withdrawals and income payments are taxed as ordinary income. 如果在59岁半之前提款, a 10% federal income tax penalty may apply (unless an exception applies). Annuities are not guaranteed by the FDIC or any other government agency. 可变年金, the investment return and principal value of the investment option are not guaranteed.

可变年金按招股说明书出售, which contains detailed information about investment objectives and risks, 还有收费和开支. You are encouraged to read the prospectus carefully before you invest or send money to buy a variable annuity contract. The prospectus is available from the insurance company or from your financial professional. Variable annuity subaccounts will fluctuate in value based on market conditions and may be worth more or less than the original amount invested if the annuity is surrendered.

1.YCharts.com, 2022

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