Immediate vs. Deferred Annuities
尽管不像其他一些退休工具那样广为人知, 年金占所有退休资产的6%. With about $2.6 trillion in assets, annuities hold more funds than Roth IRAs.1
An annuity is a contract with an insurance company. In exchange for a premium or a series of premiums, AG捕鱼王在线app下载公司同意定期向合同持有人付款. The funds held in an annuity contract accumulate tax deferred.
For individuals interested in accumulating retirement assets, 年金可能很有吸引力，因为它们不受供款限制, unlike most other tax-deferred vehicles. In other words, 有退休意识的个人可以存多少钱就存多少钱买年金.
Two Phases
年金合同要经历两个不同的阶段:积累和支付. During the accumulation phase, 这些资金一直累积到年金合同的支付日期. At that time, 这笔钱可以一次性支付，也可以在一段时间内分批支付，期限可以延长到账户持有人的一生.
The funds attributed to the initial premium will not be taxed, 但这些基金的任何收益都将作为常规收入征税.
Immediate Annuity
顾名思义，即时年金的结构是提供当期收入. After paying the initial premium, an individual receives regular income, which can be deferred up to twelve months. 合同中剩余的资金以递延纳税的方式累积. And only that portion of each payment attributable to interest is subject to taxes; the rest is treated as a return of principal.
本文仅供参考，不能替代现实生活中的建议, so make sure to consult your tax, legal, 和会计专业人士修改你的税务策略之前.
Deferred Annuity
也可以购买一份年金合同，将支付推迟到未来的特定日期. 你向递延年金支付的保费会累积，并在累积阶段赚取利息. 年金持有人决定支付的金额和开始支付的时间, which is usually in retirement. 有了递延年金，你从合同中获得的收入在提取时就要纳税.
Annuities have contract limitations, fees, and charges, including account and administrative fees, underlying investment management fees, mortality and expense fees, and charges for optional benefits. 大多数年金都有退保费，如果你在年金合同的头几年取出钱，通常退保费最高. Withdrawals and income payments are taxed as ordinary income. If a withdrawal is made prior to age 59½, 10%的联邦所得税罚款可能适用(除非有例外情况)。. 年金合同的担保取决于发行公司的赔付能力. 年金不受联邦存款AG捕鱼王在线app下载公司或任何其他政府机构的担保.
Variable annuities are sold by prospectus, 其中包含有关AG捕鱼王新版app下载目标和风险的详细信息, as well as charges and expenses. 我们鼓励您在AG捕鱼王新版app下载或汇款购买可变年金合约之前仔细阅读招股说明书. 招股说明书可向AG捕鱼王在线app下载公司或您的财务专业人员索取. 可变年金子帐户的价值会根据市场情况而波动，如果放弃年金，其价值可能会高于或低于原来的AG捕鱼王新版app下载金额.
对于有退休意识的AG捕鱼王新版app下载者来说，年金有一些吸引人的特点，可能值得探索. 在签订合同之前，年金也有一定的限制和费用需要考虑.
1. ICI.org, 2022
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