Split-Annuity策略

What Is a Split-Annuity策略?

A split-annuity strategy involves purchasing two types of annuity contracts: immediate and deferred. The immediate annuity would provide a current income stream during the early years of retirement, and the deferred annuity would have the potential to provide a future income stream.

在退休后, most people rely on a combination of Social Security, 退休计划, and personal savings for income. A split-annuity strategy can help supplement these income sources. This is one way to add some stability to your financial future and may help ensure that you don't outlive your assets.

An immediate fixed annuity earns a guaranteed rate of return and immediately pays a regular income for the duration specified in the contract. Meanwhile, the funds in a deferred fixed annuity accumulate tax deferred until they are needed. Once the immediate fixed annuity has been depleted, the deferred fixed annuity can be used to generate a regular income stream. Of course, any earnings withdrawn from the deferred annuity would be taxed as ordinary income.

A deferred annuity is a financial vehicle used for retirement purposes. It is a contract with an insurance company that can be funded either with a lump sum or regular payments over time. 作为交换, the insurance company will pay an income that can last for a specific period or for life, depending on the terms of the contract.

By combining an immediate annuity with a deferred annuity, you can receive both current retirement income and tax-deferred growth potential. 一般, annuities have contract limitations, 费用, 和费用, which can include mortality and expense charges, 账户的费用, underlying 投资 management 费用, 行政费用, 和费用 for optional benefits. Most annuities have surrender charges that are assessed during the early years of the contract if the contract owner surrenders the annuity. Withdrawals of annuity earnings are taxed as ordinary income. Early withdrawals made prior to age 59½ may be subject to a 10% federal income tax penalty. 

Withdrawals reduce annuity contract benefits and values. Any guarantees are contingent on the financial strength and claims-paying ability of the issuing company. Annuities 是没有保证的 by the FDIC or any other government agency; they are not deposits of, nor are they guaranteed or endorsed by, any bank or savings association. 对可变年金, the 投资 return and principal value of an 投资 option, 也称为subaccounts, 是没有保证的. Variable annuity subaccounts fluctuate with changes in market conditions so the principal may be worth more or less than the original amount invested when the annuity is surrendered.

Variable annuities are sold by prospectus. Please consider the 投资 objectives, risks, charges, and expenses carefully before investing. 招股说明书, which contains this and other information about the variable annuity contract and the underlying 投资 options, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

 

The information in this newsletter is not intended as tax, 法律, 投资, or retirement advice or recommendations, and it may not be relied on for the ­purpose of ­avoiding any ­federal tax penalties. You are encouraged to seek guidance from an independent tax or 法律 professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the ­purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2021 Broadridge Financial Solutions, Inc.