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Fixed annuities provide guaranteed payouts with a fixed interest rate, offering stability and predictability for your retirement income. They are an excellent choice for conservative investors seeking a reliable income stream without market risks.
Indexed annuities link your payouts to the performance of a market index, offering a balance between risk and return. They provide the potential for higher returns while protecting your principal from market downturns.
Variable annuities allow you to invest in various sub-accounts, with payouts depending on investment performance. They offer higher growth potential but come with more risk. Ideal for investors looking for both income and growth opportunities.
Immediate annuities begin payouts almost immediately after a lump-sum payment, making them ideal for those needing income right away. They provide a guaranteed income stream, helping you manage your retirement expenses effectively.
In certain annuities, you can grow money first and then turn it into reliable income. While your money grows, everything you earn will be tax deferred, which helps money build up faster. Plus, you’ll have choices in how your annuity grows. Some annuities offer fixed interest rates; others enable you to select from among a variety of Interest-Crediting Options.
Annuities are designed to provide a steady cash flow during retirement, alleviating the fear of outliving your assets. They are ideal for retirees seeking stable, guaranteed retirement income.
Phases of Annuities
- Accumulation Phase: The period when the annuity is being funded and before payouts begin. During this stage, the invested money grows on a tax-deferred basis.
- Annuitization Phase: The payout phase, which starts once payments to the investor commence. Payments can be structured for a fixed period or for the rest of the annuitant’s life.
