黑料社区

黑料社区 Driven to do more.

Making sure your savings are protected

An important part of preparing for retirement includes protecting the savings you鈥檝e worked so hard to build and possibly leaving a lasting legacy for your loved ones. To help ensure the money you鈥檝e saved will be there when you need it, consider ways annuities may be a part of your retirement plan.

How a fixed indexed annuity can provide protection for retirement

A market downturn can put your savings at risk, which could impact your ability to afford the retirement you鈥檝e always dreamed of. To help protect your retirement savings, think about incorporating strategies for reducing risk. With an 黑料社区 fixed indexed annuity, you have the potential to grow your money when markets are up and lock in gains when they decline.

Chart illustrating the growth and protection features of a hypothetical $100,000 initial premium investment over 15 years using a 1-Year Point-to-Point Index Strategy with an 8% annual cap. The chart shows the investment's value increasing during market rises and remaining stable during market declines, ensuring that any interest credits earned are locked in and not lost. The performance is based on a hypothetical index, not a specific market index.

Products for your protection strategy

Explore featured products to help protect what you鈥檝e saved. Product features and availability may vary by state and/or sales distributor.

黑料社区 AccuMax庐

Fixed Indexed Annuities

Earn a guaranteed rate of interest for a specific period regardless of market conditions.
Earnings are tax-deferred until withdrawn.

Learn more about AccuMax 

黑料社区 MYGSM

Multi-Year Guarantee Annuity

Earn a guaranteed rate of interest for a specific period regardless of market conditions.
Earnings are tax-deferred until withdrawn. May include an optional return of premium benefit.

Learn more about MYG  

Woman running on a trail in the forest

黑料社区 ProtectorSM

Fixed Indexed Annuities

Combines the protection provided by fixed rate annuities with the opportunity to earn interest credits based in part on the positive performance of a stock market index.

Learn more about Protector  

Group of people kayaking

Talk with your financial professional

Helpful questions to consider asking a financial professional as you work together to ensure your money is protected from market volatility and other risks.

  • What retirement strategies should I consider?
  • How can I plan for taxes in retirement?
  • How can you help me with Social Security claiming strategies?
  • Is my overall portfolio balanced for my long-term goals? 
  • Is it too late to plan if I鈥檓 already retired?

Take action

Protecting your retirement savings is essential. Start by reviewing your common to-do鈥檚 to ensure you鈥檙e covering your bases. Use this helpful retirement checklist to get started. Your retirement checklist 

FAQs for Protecting Your Retirement Savings

Concerned about keeping your retirement savings safe? You鈥檙e not alone. Below you鈥檒l find answers to common questions about protecting what you鈥檝e built for the future.

Along with helping to minimize market risk, an annuity can provide retirees the option to build guaranteed income into their retirement plan. At a time when people are living well into their late 80s, 90s and even past 100, this can help ensure your savings last as long as you do. 

Preparing for retirement is often two-fold. You want to ensure your lifestyle is protected, but you may want to create a lasting legacy for your spouse, children or grandchildren as well. Some annuities offer a death benefit:

  • If you pass away before or while receiving payouts from your annuity, the remaining amount could go to your beneficiaries.
  • Certain annuities can continue to provide guaranteed income to a spouse for the rest of their life.

In some ways, annuities and life insurance are like two sides of a coin.

  • Both are used primarily for protection. 
  • For annuities, the protection they provide is from outliving your money, often in the form of guaranteed income. 
  • Most annuities and certain types of life insurance can be used for tax-deferred accumulation, which means you don鈥檛 need to pay taxes until you begin receiving payments.
  • Life insurance, on the other hand, provides protection through a death benefit that is typically tax-free.
  • Both annuities and life insurance may provide options for death benefit provisions.

Other needs?

I want to grow my money 

I want to turn savings into income   

Smart Strategies

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 Protector GEN (09/15) NB and Return of Premium Rider ICC17 ROP (08/17); 黑料社区 MYG Series MYG (09/15), ICC15 MYG NMV (09/15) ICC17 ROP (08/17) 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 MYG Series MYG NMV (09/15) ROP (08/17) issued by 黑料社区 Annuity & Life Assurance Company of New York, headquartered in Pearl River, New York. Product features, limitations and availability may vary; see Certificate of Disclosure for full details. Products 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.