为什么年金是你退休计划的关键
From setting aside a portion of your earnings each year to investing for a long-term horizon, 为退休储蓄是一个相当简单的概念. Once you reach your retirement date and begin drawing income from your savings, 然而, 事情开始变得更加复杂, 有时, 不确定的.
Annuities can provide longevity insurance by protecting you from outliving your savings. 选择包括终身年金, providing an income stream throughout your retirement chapter, 联合年金, giving both you and your spouse payments for the remainder of your lives. The first step is to determine whether an annuity is right for your lifestyle and circumstances.1
Keep in mind that the guarantees of an annuity contract depend on the issuing company’s claims-paying ability. 年金有合同限制, 费用, 和费用, 包括帐费和管理费, 基础投资管理费, 死亡率和费用, 以及可选福利的收费. Most annuities have surrender 费用 that are usually highest if you take out the money in the initial years of the annuity contract. 提款和收入支付按普通收入征税. 如果在59岁半之前提款, a 10% federal income tax penalty may apply (unless an exception applies).
解决你的退休投资组合需求
Incorporating an annuity into your retirement portfolio can help reduce your likelihood of running out of money. 而年金的好处随着时间的推移而增加, 该值存在于年金的整个生命周期中.
Annuities can also address the strategic needs in your retirement portfolio. 例如, a Qualified Longevity 年金 Contract (QLAC) is purchased inside a qualified retirement account and up to certain limits, and the money used to purchase a QLAC is exempt from your standard Required Minimum Distribution (RMD) requirements.2
权衡利弊
有多种年金可供选择, it’s important to consider the advantages and disadvantages of each. 一般, 年金越直接, 成本越低, but it’s difficult to establish a definitive pros and cons list across the board. This is because it depends largely on the individual purchasing the annuity and the circumstances of their financial picture.
税收待遇是大多数年金的一个优势. Until you begin receiving payments, annuity premiums grow continuously on a tax-deferred basis. 另一方面, annuities have the disadvantage of keeping your principal investment under lock and key for several years. This is the case unless you sell your annuity payments at a discount — an option available if you experience a sudden and urgent need for cash. If you do choose to surrender your policy within the eligible period, 你可能要支付退保费.3,4,5
选择最适合自己的年金
在一天结束的时候, the decision to purchase an annuity is entirely personal as each individual’s financial situation is unique. It is therefore important to clarify your needs and goals as well as evaluate your comfort level with risk before deciding if an annuity is right for you.
Determining how close you are to retiring and understanding the lifestyle changes that come with retirement, 包括失去稳定的收入, are important factors to keep in mind in preparing for this next chapter. 除了, clarifying if you want a reliable income for life with little risk and low costs will help you determine if a fixed annuity is the best option for you. 另外, a variable annuity might be suitable if you’re comfortable assuming risk in exchange for the possibility of higher returns.6
简化复杂性
毫无疑问，年金很复杂, which is why it’s especially important to discuss your needs with a financial professional. 这将帮助你评估你的退休投资组合, 了解你的财务选择, 看看年金如何符合你的目标.
Take the time to understand the details of your annuity contract, 包括相关费用和佣金, and don’t hesitate to ask for more than one quote to compare your options. 最后, take into consideration the reputation of the company you’ll be working with and ensure that they comply with the annuity regulations and are financially sound.
你的退休生活可以是令人兴奋和有益的. Don’t let the change in your stream of income stop you from experiencing it fully.
1. 年金.2022年2月8日
2. 年金.2022年6月10日
3. 年金.2022年5月23日
4. 年金.2022年4月25日
5. 国税局.gov, 2022年5月19日
6. 年金.2022年6月9日
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