Retirement Annuities Investments
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Retirement, Annuities & Investments.

Being ready for retirement doesn’t just mean you’ve saved enough money. It also means feeling confident because you have the guaranteed income you need.
Annuities can play an important role in your retirement plan. Whether you are trying to increase your retirement savings or you need guaranteed income, there are annuity solutions that you should consider.

Withdrawals of taxable amounts from an annuity are subject to ordinary income tax. If you make withdrawals before age 59½, you may be subject to a 10% IRS penalty. Annuities also come with annual charges not found in mutual funds, which will affect your returns.

Annuities come in many varieties, each with their own unique features. It’s smart to learn how they work and how they may fit into your retirement saving and income strategies.
Retirement, Annuities & Investments


Annuities come in a variety of forms. Each type can have unique features that may help you achieve your financial goals whether you’re saving for retirement, approaching retirement, or living in retirement.

Deferred variable annuities include funds that may have the potential for investment growth. However, this can involve some market risk and could result in losses if the value of the underlying investments falls. Variable annuities are usually appropriate for those with longer time horizons or those who are able to handle market fluctuations. Some variable annuities allow you to protect your investment against loss, while still participating in potential market growth.

Deferred fixed annuities offer a guaranteed rate of return for a specific number of years. Fixed deferred annuities may be more suitable for conservative investors or for those interested in protecting assets from market volatility. In this way, they’re similar to certificates of deposit (CDs).


However, deferred fixed annuities differ from CDs in that:

  • Annuities are not FDIC-insured
  • If you make withdrawals before age 59½, you may be subject to a 10% IRS penalty
  • Deferred fixed annuities may offer more access to assets than a CD
  • Annuity earnings compound on a tax-deferred basis
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