Variable annuities provide the opportunity for market appreciation — through a variety of investment options — with tax-deferral and future income. Variable annuities are designed for people willing to take on more risk in exchange for greater growth potential. While there is risk associated with a variable annuity, many offer guarantees of principal and downside protection at an additional cost and depending on contract rider availability. However, these guarantees do not apply to the investment performance or amounts held in the variable investment options.
An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.
- Effects of Inflation
Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.
- Fixed vs. Variable Annuities
Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.
- Gifting Strategies
Compare the advantages and disadvantages of different gifting strategies available for planned giving.
- Retirement Plan Distributions
When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.
- Stock and Bond Investing Alternatives
There are other ways to invest in stocks and bonds besides owning individual shares or bonds.
- What Is An Annuity?
Immediate or deferred annuity: there's no right answer.