Pursuing Portfolio Goals with Tax-Deferred Investing

Tax deferral1 can be one of the most effective tools in the retirement-planning toolbox. But, not all clients are aware of tax-deferred investing strategies. This eBook explains some helpful ways to incorporate different approaches, including variable annuities, into your clients’ overall investing for retirement plan.

Variable annuities are long-term, tax-deferred investments designed for retirement, involve risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

1Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA, and may be found at a lower cost in other investment products. It also may not be available if the annuity is owned by a “non-natural person” such as a corporation or certain types of trusts.

Annuities involve risks and may lose value. 

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