A Way To Plan For Longevity
More and more Americans are thinking seriously about their retirement. They're examining their saving
habits, assessing Social Security and loading up their retirement plans. But there's one retirement investing
opportunity many people may overlook: annuities.
A Flexible, Tax-Deferred Option
Think of an annuity as an investment that can provide you an income stream during your retirement. You make one lump
sum payment, or a series of payments. An insurance company then invests the money – tax-deferred –
into assets you select. And then, in retirement, you'll receive regular payouts according to a schedule you select.
Choose Between Two Types
The two basic types of annuities are fixed and variable. Fixed-rate annuities guarantee a rate of return. Variable
annuities offer wider flexibility via stock, bond and other investment portfolios. Your choice will be based on your
long-term goals, risk tolerance and unique situation.
Are Annuities Right for You?
Annuities offer not only tax-deferred growth and flexibility, they also avoid probate. So they can help with both
retirement and estate planning. Now that's thinking ahead! Ask your Financial Consultant to tell you about the
annuities RBC Dain Rauscher offers. Or review the links to learn more. |
