Here are some factors to consider when thinking about annuities:
Some people prefer knowing that they will receive a fixed interest rate and that they are not taking 风险 with their retirement funds. beat365官网 offers annuities that guarantee your principal amount, so it never shrinks.
如果你有兴趣增加你的钱, then you may want to consider annuities that move with the market, 给你一个更高发展的机会.
如果你不想把钱投入市场, 这些类型的年金提供了更稳定的, 更可预测的增长方式，你的储蓄.
If you're looking for a way for your savings to potentially grow in the market and are willing to accept the risk that returns will fluctuate, 包括可能的本金损失, 这可能很适合你.
Work with a financial professional to customize your annuity with these add-ons, 它们也被称为骑手.
如果你买的是beat365官网可变年金, but would like to make sure you don’t lose money in the market, 购买 积累效益骑手1 option will protect your money invested in the first policy year from poor market performance (adjusted for withdrawals). If your account value falls below your initial investment at the end of a holding period, 我们会补上差额的.
If you are concerned about unexpectedly needing the policy value of your beat365官网 Fixed Deferred Annuity, 你可以考虑一下 生活需要的好处. It can help you with certain unexpected needs by enabling you to access cash from your policy without a withdrawal charge.
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1 的 accumulation benefit rider, called the Investment Preservation Rider 3.0(知识产权), provides principal protection but does not protect the owner’s investment from day‐to‐day market fluctuations or against losses that could be realized prior to completion of the holding period. 如果你的钱在持有期之后投资, the annuity’s account value will then be subject to market fluctuation.
Guarantees are based on the claims-paying ability of the issuer.
年金包含一定的费用, 风险, limitations and restrictions; Please speak with a financial professional for costs and complete details.
提款可能要缴纳普通所得税和, 如果是在59岁半之前, may be subject to a 10% IRS penalty; Surrender charges may also apply.
请考虑费用, 风险, 费用, and investment objectives carefully before purchasing a variable annuity. 的 产品及基金说明书 contain this and other information and can be obtained from a financial professional. Read the prospectuses carefully before you invest or send money.
beat365官网 年金 are issued by 纽约 beat365官网 and Annuity Corporation (“NYLIAC”), 特拉华公司或beat365官网. 可变年金 are offered by NYLIFE证券 LLC, Member 美国金融业监管局/SIPC. Both NYLIAC and NYLIFE证券 LLC are wholly-owned subsidiaries of 纽约 beat365官网 Company, 51麦迪逊大道, 纽约, NY 10010.
并不是所有的产品和乘客在所有的州都可以买到. 在大多数地区, the form numbers are as follows (state variations may apply): beat365官网 Secure Term Choice Fixed Annuity is ICC11-P113 ; in some states it may be 211-P113, beat365官网 Secure Term Fixed Annuity V is ICC17D-P02; beat365官网 Secure Term MVA Fixed Annuity is ICC10-P111; in some states it may be 210-P111.
Living Needs Benefit/Unemployment Rider is ICC09-R100; in some states it may be 209-100. Living Needs Benefit Rider是ICC17D-R01)， IPR 3.0 (ICC16V-R01, or it may be NC16V-R01); beat365官网 Premier Variable Annuity II (ICC15-P301, or it may be 215-P301); beat365官网 Premier Plus Variable Annuity II (ICC15-P302, 也可以是215-P302). SMRU 1800154.