What Is the Difference Between a Fixed 年金 and a Variable 年金?
An annuity is a contract with an insurance company in which you make one or more payments in exchange for a future income stream in retirement. The funds in an annuity accumulate tax deferred, regardless of which type you select. Because you do not have to pay taxes on any growth in your annuity until it is withdrawn, this financial vehicle has become an attractive way to accumulate funds for retirement.
Annuities can be immediate or deferred, and they can provide fixed returns or variable returns.
固定年金
A fixed annuity is an insurance-based contract 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 of time or for life.
固定年金 contracts are issued with guaranteed minimum interest rates. 虽然费率可能会有所调整, it should never fall below a guaranteed minimum rate specified in the contract. This guaranteed rate acts as a “floor” to potentially protect a contract owner from periods of low interest rates.
Fixed annuities provide an option for an income stream that could last a lifetime. The guarantees of fixed annuity contracts are contingent on the financial strength and claims-paying ability of the issuing insurance company.
即时固定年金
通常, an immediate annuity is funded with a lump-sum premium to the insurance company, and payments begin within 30 days or can be deferred up to 12 months. 付款可以按月支付, 季度, 每年, 或每半年一次，以保证一段时间或终身, 以合同约定为准. Only the interest portion of each payment is considered taxable income. The rest is considered a return of principal and is free of income taxes.
递延固定年金
递延年金, you make regular premium payments to an insurance company over a period of time and allow the funds to build and earn interest during the accumulation phase. 在你的资金积累的同时推迟纳税, you keep more of your money working and growing for you instead of paying current taxes. This means an annuity may help you accumulate more over the long term than a taxable 投资. 任何收入在提取之前都不征税, 那时它们被认为是普通收入.
递延可变年金
A variable annuity is a contract that provides fluctuating (variable) rather than fixed returns. The key feature of a variable annuity is that you can control how your premiums are invested by the insurance company. Thus, you decide how much risk you want to take and you also bear the 投资 risk.
Most variable annuity contracts offer a variety of professionally managed portfolios called subaccounts (or 投资 options) that invest in stocks, 债券, 货币市场工具, 以及平衡投资. Some of your contributions can be placed in an account that offers a fixed rate of return. Your premiums will be allocated among the subaccounts that you select.
不像固定年金, 哪一种有固定的回报率, the value of a variable annuity contract is based on the performance of the 投资 subaccounts that you select. 这些子帐户的价值随市场情况而波动, and the principal may be worth more or less than the original cost when surrendered.
Variable annuities provide the dual advantages of 投资 flexibility and the potential for tax deferral. The taxes on all interest, dividends, and capital gains are deferred until withdrawals are made.
当你决定从年金中获得收入时, 你可以选择一次付清, 固定支付, 或者可变支付. The earnings portion of the annuity will be subject to ordinary income taxes when you begin receiving income. 年金 withdrawals are taxed as ordinary income and may be subject to surrender charges plus a 10% federal tax penalty if made prior to age 59½. Surrender charges may also apply during the contract’s early years.
年金有合同限制, 费用, 和费用, 其中包括死亡和费用风险费用, 销售及退让费, 投资管理费, 行政费用, 以及可选福利的收费. Annuities are not guaranteed by the FDIC or any other government agency; they are not deposits of, 他们也不保证或认可, 任何银行或储蓄协会. Any guarantees are contingent on the financial strength and claims-paying ability of the issuing insurance company.
可变年金按招股说明书出售. 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, 可以从你的金沙官网专业人士那里获得吗. Be sure to read the prospectus carefully before deciding whether to invest.
本通讯中的信息不作为税务用途, 法律, 投资, 或退休建议或建议, 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. 内容来源于被认为是准确的来源. 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. ©2024 Broadridge Financial Solutions, Inc.