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Keep your retirement money growing

What will it take to make your retirement remarkable? You likely want to feel confident the money you've saved will help you live the life you鈥檝e always imagined. Whether that means traveling the world or simply enjoying your own backyard, you鈥檒l need options that help your savings grow. 

How a fixed indexed annuity provides growth potential

Growth potential

Growth potential

Interest credits are linked in part to the performance of an external market index. Your annuity鈥檚 value can grow when markets rise.鹿
 

Lock in gains

Lock in gains

Interest you earn is locked in and cannot be lost due to market downturns.

Tax-deferred growth

Tax-deferred growth

You鈥檒l only pay taxes on any earnings when you start taking money out of your annuity.

Protection from market downturns

Protection from market downturns

黑料社区 guarantees you won鈥檛 lose money due to stock market risk or losses. Interest credits will never be less than 0%.

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.

黑料社区 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 

黑料社区 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 

黑料社区庐 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 

黑料社区 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 

Take action

If you鈥檙e looking to grow your retirement savings, it may be helpful to start by calculating how much money you may need. Use this helpful worksheet to start determining your savings goal.


Talk with your financial professional

Helpful questions to consider asking a financial professional as you work together to grow your money for retirement.

  • What services do you offer?
  • What are your qualifications and certifications?
  • How often will we meet to discuss progress with my account? 
  • How should I review my financial plan in between our meetings?

FAQs for Growing Your Retirement Savings

Growing retirement savings is a key consideration when preparing for the years ahead. The following questions and answers provide general information about potential approaches to help you reach your financial goals.

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.
     
  • 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. 
     

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. 

  • 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 downturn. 
  • When the market performs poorly, your principal is not impacted 鈥� even if the interest credit is zero percent.
  • The earlier a market downturn in retirement happens, the greater the impact it can have on your retirement savings.

Other needs?

I want to turn savings into income   

 

I want to protect what I have 

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.

黑料社区 AccuMax ICC20 STA (11/20); 黑料社区 Accumulator GEN (09/15) NB and 黑料社区 Accumulator Legacy Rider ICC16 GMDB (06/16); 黑料社区 Performance Elite GEN (09/15) NB, GEN10 (04/14), TBS15 (09/12) 黑料社区 Performance Elite Plus BONUS (04/17) and Enhanced Liquidity Rider ICC15 PEPR (11/14) or state variation is issued by 黑料社区 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.

黑料社区 Amplify 2.0 RIA II (01/22) or state variation is issued by 黑料社区 Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate 黑料社区 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.