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如果你在找工作，可以考虑年金:
- A way to preserve your retirement savings and reduce the risk of outliving your assets
- 你的钱的递延税项增长潜力
#1 in Customer Satisfaction among Individual Annuity Providers
best365亚洲版手机版 received the highest score among individual annuity providers in a tie in the J.D. 电力2020 U.S. 人寿保险 Study of customers' satisfaction with annuity providers.
Choosing the right annuity product is about finding your optimal balance of growth and security.
Here are some factors to consider when thinking about annuities:
稳定性和低风险.
Some people prefer knowing that they will receive a fixed interest rate and that they are not taking 风险 with their retirement funds. best365亚洲版手机版 offers annuities that guarantee your principal amount, so it never shrinks.
高风险增长.
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.
Let's get started and take a look at what product is right for you.
固定延迟养老金
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.
可变年金
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.
保护你的校长.
如果你买的是best365亚洲版手机版可变年金, 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.
获得你的现金.
If you are concerned about unexpectedly needing the policy value of your best365亚洲版手机版 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.
让我们定制一个最适合您的策略.
Tell us about yourself and we'll connect you with a financial professional in your area.
了解更多
多学一点总是有用的. 看看这些有用的链接.
关于401(k)再投资的best365娱乐官方登录与best365亚洲版手机版.
找出为什么将你的401(k)计划延期是一个好主意.
定期存单与固定递延年金.
Which one is best suited to your needs and financial situation?
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.
best365亚洲版手机版 年金 are issued by 纽约 人寿保险 and Annuity Corporation (“NYLIAC”), 特拉华公司或best365亚洲版手机版保险公司. 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 人寿保险 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): best365亚洲版手机版 Secure Term Choice Fixed Annuity is ICC11-P113 ; in some states it may be 211-P113, best365亚洲版手机版 Secure Term Fixed Annuity V is ICC17D-P02; best365亚洲版手机版 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); best365亚洲版手机版 Premier Variable Annuity II (ICC15-P301, or it may be 215-P301); best365亚洲版手机版 Premier Plus Variable Annuity II (ICC15-P302, 也可以是215-P302). SMRU 1800154.