可变年金适合我吗?
对于一般的观察者来说, it sometimes seems that variable annuities are either “terrible” or “wonderful.”
Commentators in the financial media seem to occupy a polarity of opinions we might see in politics. What gets lost when these commentators collide is “the individual.“不幸的是, the discussion is rarely centered on whether a variable annuity is relevant and useful to you and your set of needs.
Before considering investing in a variable annuity, you may want to make sure that you are exhausting the contribution limits of your 401(k), 爱尔兰共和军, 或其他符合条件的退休计划.
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.
At the end of the day, however, variable annuities are really a value judgment.
Do you value the guarantees and predictable income that annuities can provide?
Are the 费用 charged worth the price of mitigating the risk fluctuating markets can have on your financial security in retirement?
Only you can be the judge of what constitutes value to you. Leave the punditry on variable annuities to others and focus on whether they make sense for you.
The guarantees of an annuity contract depend on the issuing company’s claims-paying ability. Remember variable annuities have contract limitations, 费用, 和费用, 包括帐费和管理费, 基础AG捕鱼王新版app下载管理费, 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 contact. 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.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.
