Retirement Read Time: 4 min

Immediate vs. Deferred Annuities

尽管不像其他一些退休工具那么有名, 年金占指定用于退休的所有资产的7%. With about $2.5万亿的资产,年金比罗斯个人退休账户的基金还要多.1

An annuity is a contract with an insurance company. In exchange for a premium or a series of premiums, 保险公司同意定期向合同持有人付款. 年金合同中的资金积累了递延税项.

对积累退休资产感兴趣的个人, 年金之所以有吸引力,是因为它们不受缴款限制, unlike most other tax-deferred vehicles. In other words, 有意退休的个人可以把他们想要的钱存入年金中.

Two Phases

Immediate and Deferred Annuities

年金合同要经历两个截然不同的阶段:积累和支付. During the accumulation phase, 这些资金会一直积累到年金合同的支付日期. At that time, 总金额可以一次性支付,也可以在账户持有人的生命周期内进行一系列支付.

归属于初始保费的资金将不会被征税, 但这些基金的任何收入都将按正常收入征税.

Immediate Annuity

顾名思义,即时年金的结构是提供当前收入. After paying the initial premium, an individual receives regular income, which can be deferred up to twelve months. 合同中剩余的资金以递延纳税的方式累积. And only that portion of each payment attributable to interest is subject to taxes; the rest is treated as a return of principal.

本文仅供参考,不能替代现实生活中的建议, so make sure to consult your tax, legal, 和会计专业人士在修改你的税务策略之前.

Deferred Annuity

也可以购买一份年金合同,将支付延迟到未来的某个特定日期. 你支付给递延年金的保费在累积阶段累积并赚取利息. 年金持有者决定支付的金额和何时开始支付, which is usually in retirement. 对于递延年金,当你的收入被提取时,记入你的合同的收入要纳税.

Annuities have contract limitations, fees, and charges, including account and administrative fees, underlying investment management fees, mortality and expense fees, and charges for optional benefits. 大多数年金都有退保费,如果你在年金合同的最初几年取出钱,退保费通常是最高的. 取款和收入支付按普通收入征税. If a withdrawal is made prior to age 59½, 10%的联邦所得税罚款可能适用(除非有例外情况). 年金合同的保证取决于发行公司的偿付能力. 年金不受FDIC或任何其他政府机构的担保.

Variable annuities are sold by prospectus, 其中包含有关投资目标和风险的详细信息, as well as charges and expenses. 我们鼓励您在投资或汇钱购买可变年金合约前仔细阅读说明书. 招股说明书可向保险公司或您的金融专业人士索取. 可变年金子账户的价值会根据市场情况波动,如果放弃年金,其价值可能会高于或低于原来的投资金额.

对于有意退休的投资者来说,年金有一些吸引人的特点,值得探索. 在签订合同之前,年金也有一定的限制和费用需要考虑.

1. ICI.org, 2021

内容是发展的来源被认为是提供准确的信息. 本材料中的信息并非用于税务或法律咨询. 它不能用于避免任何联邦税收处罚的目的. 请向法律或税务专业人士咨询有关您个人情况的具体信息. 本材料是由FMG Suite开发和制作的,以提供关于可能感兴趣的主题的信息. FMG套房不隶属于命名的经纪商-交易商, state- or SEC-registered investment advisory firm. 所表达的意见和提供的材料是为一般信息, 而不应被视为招揽购买或出售任何证券. Copyright 2021 FMG Suite.

Share |

Have A Question About This Topic?

Thank you! Oops!
 

Related Contents

Rightsizing for Retirement

Rightsizing for Retirement

What does your home really cost?

Retirement Seen Through Your Eyes

Retirement Seen Through Your Eyes

What your life will look like after you leave work.

An Inside Look at Retirement Living

An Inside Look at Retirement Living

为了帮助你更好地为退休生活做准备,你需要解决一些问题和关注点.