立即与. 延期支付年金
Despite not being as well known as some other retirement tools, annuities account for 6% of all assets earmarked for retirement. 大约2美元.6万亿美元的资产，年金比罗斯个人退休账户持有更多的资金.1
年金是与AG捕鱼王在线app下载公司签订的合同. 换取一笔或一系列的AG捕鱼王在线app下载费, the insurance company agrees to make regular payments to the contract holder. 年金合同中持有的资金累积到递延税款.
适合有兴趣累积退休资产的个人, annuities can be attractive because they are not subject to contribution limits, 不像大多数其他递延税收的工具. 换句话说, retirement-minded individuals can set aside as much money as they would like into an annuity.
两个阶段
Annuity contracts pass through two distinct phases: accumulation and payout. 在积累阶段, the funds accumulate until the annuity contract reaches its payout date. 当时, the total will either be paid out as a lump sum or as a series of payments over a period that can stretch as long as the account holder's life.
归属于初始溢价的资金将不会被征税, but any earnings on those funds will be taxed as regular income.
即时年金
As its name implies, an immediate annuity is structured to provide current income. 在支付初始AG捕鱼王在线app下载费后, 个人有固定收入, 哪些可以延期到12个月. The funds remaining in the contract accumulate on a tax-deferred basis. And only that portion of each payment attributable to interest is subject to taxes; the rest is treated as a return of principal.
This article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询你的税务, 法律, and accounting professionals before modifying your tax strategy.
延期年金
It is also possible to purchase an annuity contract that defers payout until a specific date in the future. The premiums you pay to a deferred annuity accumulate and earn interest during the accumulation phase. The annuity holder determines the amount of payments and when the payouts begin, 通常是在退休后. With a deferred annuity, the earnings credited to your contract are taxed when they are withdrawn.
年金有合同限制, 费用, 和费用, 包括帐费和管理费, 基础AG捕鱼王新版app下载管理费, 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). The guarantees of an annuity contract depend on the issuing company's claims-paying ability. Annuities are not guaranteed by the FDIC or any other government agency.
可变年金按招股说明书出售, which contains detailed information about investment objectives and risks, 还有收费和开支. You are encouraged to read the prospectus carefully before you invest or send money to buy a variable annuity contract. The prospectus is available from the insurance company or from your financial professional. Variable annuity subaccounts will fluctuate in value based on market conditions and may be worth more or less than the original amount invested if the annuity is surrendered.
For retirement-minded investors, annuities have some attractive features that may be worth exploring. Annuities also have certain limitations and expenses that need to be considered before committing to a contract.
1. 这里.org, 2022
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