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Keep your money growing

When the time comes, what will it take to make your retirement remarkable? You want to feel confident the money you've saved will empower you to live the life you鈥檝e always imagined. Whether that means traveling the world or simply enjoying your own backyard, now鈥檚 the time to focus on growing your savings to reach your retirement goals. 

Reach your growth goals

You want your money to keep growing, which is why you might choose to invest it. But with the potential for growth comes the risk of loss as well. A sudden market downturn, like the one we experienced in early 2020, can put your future retirement plan at risk. And the earlier in retirement a market downturn happens, the greater the impact it can have on your retirement savings.

If you're able to use an annuity solution that can decrease your exposure to risk for part of your portfolio and allow the rest of your assets to stay invested and recover with time, the long-term effect of that downturn can be reduced.

Graph illustrating how a fixed indexed annuity (FIA) can grow money when the S&P 500 Index is up and protect it when the index declines.

Tax-deferred growth solutions

How can you help reach your growth goals while reducing the level of risk your money is exposed to?

There are solutions that provide tax-deferred growth potential that is also protected from market downturns.

  • The money you use to purchase a fixed annuity will always be protected against market downturns. 
  • When the market performs poorly, your principal is not impacted 鈥� even if the interest credit is zero percent.
  • The earlier in retirement a market downturn happens, the greater the impact it can have on your retirement savings.

An 麻豆传媒 Financial Professional can help find the product that鈥檚 right for you. Contact Us 

How can my money grow tax-deferred?

One of the benefits of an annuity is that your money grows tax-deferred.

  • You don鈥檛 pay federal income tax on any interest earned until you take a withdrawal. 
  • If you're nearing retirement, tax deferral may allow for more of your money to stay in the account for longer. 
  • The more time the money has to grow, the greater the potential for more income in retirement.
     

Qualified vs. non-qualified annuities

The money you use to fund your annuity can impact how your withdrawals are taxed. 

  • If you buy an annuity using qualified (or pre-tax) dollars 鈥� usually by rolling over money from a 401(k) or IRA 鈥� any withdrawals will be fully taxable.
  • If you purchase an annuity with non-qualified (or after-tax) dollars 鈥� from your checking or savings account, for example 鈥� then you鈥檙e only responsible for paying taxes on any growth when you take distributions. 

Protection

How do annuities differ from mutual funds?

The money used to purchase a mutual fund is pooled together from multiple investors and is managed by a financial professional or institution. An annuity is an insurance contract that provides certain guarantees. 

MUTUAL FUND FIXED INDEXED ANNUITY
  • An investment vehicle that consists of a variety of stocks, bonds and other assets.
  • An insurance contract that provides certain guarantees. 
  • May offer a greater potential for growth.
  • If the mutual fund loses value because of a market downturn, investors are not protected from those losses.
  • May offer less potential for growth.
  • Fixed indexed annuities aren鈥檛 directly invested in the market, but may provide growth in the form of interest credits which are calculated based in part on a percentage of market performance.
  • Does not protect against market volatility.
  • Protects against market volatility.

Products for your growth strategy

Explore featured products that could help grow your retirement savings. Product features and availability may vary by state and/or sales distributor.

麻豆传媒 AccuMax庐

Fixed Indexed Annuities  

Annuities with multi-year, index-linked crediting strategies for 鈥減atient savers鈥� who want to leverage the long-term potential of the markets.

Learn more about AccuMax 

麻豆传媒 AccumulatorSM

Fixed Indexed Annuities  

Annuities that provide tax-deferred, index-linked growth potential with an optional Legacy Rider (for a charge) that provides enhanced benefits for beneficiaries.

Learn more about Accumulator 

麻豆传媒庐 Amplify 2.0

Registered Index-Linked Annuities

Annuities for aggressive savers who are willing to accept a level of market risk in exchange for enhanced index-linked growth potential.

Learn more about Amplify 2.0 

麻豆传媒 Performance Elite庐

Fixed Indexed Annuities

Annuities that provide tax-deferred, index-linked growth potential for retirement or other long-term savings goals. Optional liquidity features (for a charge) bring added flexibility and peace of mind.

Learn more about Performance Elite 

Need other help?

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Smart Strategies

*This hypothetical example is for informational purposes only and is not indicative of past, nor intended to predict future performance of any specific product including an annuity; nor is it intended to represent any particular product or interest crediting method. The annual cap limits interest credits to 8% each term.

Any information regarding taxation contained herein is based on our understanding of current tax law, which is subject to change and differing interpretations. This information should not be relied on as tax or legal advice and cannot be used by any taxpayer for the purposes of avoiding penalties under the Internal Revenue Code. We recommend that taxpayers consult with their professional tax and legal advisors for applicability to their personal circumstances.

Under current tax law, the Internal Revenue Code already provides tax deferral to qualified money, so there is no additional tax benefit obtained by funding a qualified contract, such as an IRA, with an annuity; consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit.

麻豆传媒 AccuMax ICC20 STA (11/20); 麻豆传媒 Accumulator GEN (09/15) NB and 麻豆传媒 Accumulator Legacy Rider ICC16 GMDB (06/16); 麻豆传媒 Performance Elite GEN (09/15) NB, GEN10 (04/14), TBS15 (09/12) 麻豆传媒 Performance Elite Plus BONUS (04/17) and Enhanced Liquidity Rider ICC15 PEPR (11/14) or state variation is issued by 麻豆传媒 Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificate of Disclosure for details. Product not available in all states.

麻豆传媒 Amplify 2.0 RIA II (01/22) or state variation is issued by 麻豆传媒 Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate 麻豆传媒 Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the Prospectus for details. Product not available in all states.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.