Cov no yog lub sij hawm boom rau cov nyiaj annuities, uas yog muab cov nyiaj laus cov nyiaj laus thiab cov tub ua lag luam uas tsis yog tsuas yog lawv cov kev ruaj ntseg zoo nyob rau hauv lub xyoo tsis txaus siab rau ob qho tib si stocks thiab bonds, tab sis kuj muaj cov txiaj ntsig zoo tshaj plaws hauv ntau tshaj kaum xyoo thiab, qee zaum, cog lus ntawm qhov loj upside thaum stocks rebound.
Kev muag khoom ntawm cov khoom pov hwm kev lag luam hybrid tau nce xyoo no-raws li keeb kwm tau tshwm sim hauv kev lag luam hauv qab thiab nce paj paj ib puag ncig-vim tias lawv cov kev tiv thaiv tseem ceeb thiab cov txiaj ntsig siab cuam tshuam rau lwm qhov kev pheej hmoo tsawg peev ua rau lawv txaus nyiam cov nyiaj tau los. hloov. Xav txog qhov tam sim no 4.05% peb lub xyoos lav qhov nyiaj tshuav nyiaj xyoo them los ntawm Midland National Life Insurance, piv nrog 2.9% rau daim ntawv pov thawj peb xyoos ntawm kev tso nyiaj lossis tam sim no 3.22% cov txiaj ntsig ntawm Treasury peb xyoos.
Tab sis qhov txawv ntawm kev lag luam dais tam sim no yog tias cov tub ua lag luam tseem siv cov nyiaj xyoo raws li cov khoom lag luam hloov pauv, tig mus rau hom tshiab ntawm daim ntawv cog lus hu ua daim ntawv teev npe indexed-linked annuity, los yog RILA, uas yog tsim rau kev loj hlob nrog lub cushion nyob rau hauv poob. Tsim los rau nyiaj laus ua lag luam leej twg ntshai poob tab sis xav tau cov khoom lag luam rov qab los ua kom lawv lub zes qe loj hlob, RILAs muab ntau qib kev tiv thaiv ntawm qhov kev poob qis-feem ntau 10% mus rau 20% ntawm kev lag luam poob-thiab lub hau ntawm qhov rov qab los ntawm qhov ntsuas xws li
Russell 2000,
or
MSCI UAS.
Cov kaus mom tam sim no tso cai rau kev loj hlob tseem ceeb thaum kev ua lag luam nce ntxiv: Lincoln National Life Insurance thiab Symetra Life, piv txwv li, muab S&P 500-nrhiav RILAs uas yuav nqus thawj 10% ntawm qhov kev poob qis, thaum capping nws rov qab los ntawm 20%.
"Yog tias koj xav txog 60/40 portfolio, 60 tsis ua haujlwm thiab 40 tsis ua haujlwm," hais tias Steve Scanlon, tus thawj coj ntawm tus neeg laus laus ntawm Equitable, hais txog S&P 500's ze li ntawm 20% poob rau xyoo no thiab kev lag luam nyiaj poob qis 10%. "Lub caij no, cov nyiaj xyoo tau txais txiaj ntsig zoo dua li kev daws teeb meem ntawm ob sab ntawm cov ntaub ntawv."
ABCs ntawm Annuities
Annuities yog cov khoom lag luam pov hwm tsim los tiv thaiv cov tub ua lag luam zoo tib yam tiv thaiv cov xwm txheej kev nqis peev uas phem tshaj plaws xws li kev poob qis thiab khiav tawm ntawm cov nyiaj laus hauv cov nyiaj laus. Lawv yog cov cuab yeej rau ob lub hom phiaj yooj yim: txhawm rau khaws cov khoom muaj nqis nrog kev tiv thaiv qis, lossis muab cov nyiaj tau los tsis tu ncua hauv cov nyiaj laus, zoo li nyiaj laus.
Cov ntawv qhia zaub mov ntev ntawm hom nyiaj xyoo thiab cov yam ntxwv tuaj yeem yooj yim. Txawm tias ib zaug koj txiav txim siab seb qhov twg yog qhov zoo tshaj plaws los daws koj cov kev txhawj xeeb, koj txoj haujlwm tsis tiav. Qee cov ntawv cog lus muaj nqi thiab zam tau zoo tshaj plaws, thaum lwm tus muaj cov xov hlau mus ncig uas tuaj yeem ua rau cov ntsiab lus hloov pauv raws li tus neeg ua lag luam tus cwj pwm lossis kev ua lag luam. To taub cov ntsiab lus yog qhov tseem ceeb.
Tseem, annuities 'qhov chaw nyob rau hauv lub xyoo no qhia txog qhov deb npaum li cas cov tub ua lag luam tau txais kev tuav pov hwm cov khoom lag luam, uas nws cov nqi thiab qhov nyuaj tau hnyav rau lawv lub koob npe nrov xyoo dhau los. Lub lim tiam dhau los no, Equitable daws ib rooj plaub nrog rau Securities thiab Exchange Commission, yam tsis tau lees paub lossis tsis lees paub lub koom haum qhov kev tshawb pom, ib puag ncig cov nqi tsis txaus nthuav tawm.
Txhawm rau pab teeb tsa ntau yam nyiaj xyoo, lawv ua haujlwm li cas, thiab qhov zoo tshaj plaws muab hnub no, Barron tus tapped Cannex, lub tuam txhab tshawb fawb ywj pheej tshwj xeeb hauv cov khoom siv nyiaj laus, nrog rau cov tuam txhab cov ntaub ntawv los sau cov npe ntawm 100 cov ntawv cog lus sib tw raws li cov hom phiaj ntawm cov neeg ua lag luam thiab cov kev xav, xws li cov neeg ua lag luam hnub nyoog thiab kev nqis peev loj. Vim tias ntau qhov nyiaj xyoo yog tsim los kom kav ntev, tsuas yog cov ntawv cog lus los ntawm cov tuam txhab nrog AM Qhov zoo tshaj plaws nyiaj txiag-lub zog ntsuas ntawm A- lossis siab dua.
Cov rooj nrog yog ib qho duab ntawm qhov uas tau hloov pauv sai sai ntawm kev ua lag luam, raws li cov neeg tuav pov hwm kho dua cov ntsiab lus kom ua raws li cov paj laum thiab kev hloov pauv hauv kev lag luam. Piv txwv li, nyob rau hauv plaub lub hlis txog rau lub Rau Hli, Jackson National Life Insurance tau ua 17 hloov pauv rau cov khoom sib txawv 'tus nqi thiab lub kaus mom. "Peb tsis tau hloov pauv hauv tej zaum 18 lub hlis, yog li ua kom ntau hauv plaub lub hlis yog cov khoom siv zoo nkauj," said Alison Reed, Jackson tus thawj coj ua haujlwm.
Qhov zoo tshaj plaws Annuities: Guaranteed Income. Tsis muaj Frills.
Cov nyiaj xyoo tas li yog cov cuab yeej uas hloov cov nyiaj tau los rau hauv cov nyiaj tau los ntawm lub neej, tam sim ntawd lossis qee zaum tom qab. Kev cog lus ib leeg them rau ib tus neeg lub neej. Kev them nyiaj feem ntau qis dua rau cov poj niam thiab cov khub niam txiv vim lawv lub neej expectancy ntev dua. Cov ntawv cog lus sib koom ua ke yog rau cov niam txiv thiab txuas ntxiv them nyiaj thaum tus txij nkawm tseem muaj sia nyob.
NYIAJ KHWV TAU LOS-NYIAJ KHWV TAU NYIAJ: Hu ua ib qho khoom plig zoo tshaj tam sim ntawd, lossis SPIAs, cov ntawv cog lus no tau lees paub cov nyiaj tau los tam sim ntawd. Assumes $200,000 peev thaum muaj hnub nyoog 70. Kev them nyiaj rau kev sib koom ua neej xav tias tus txiv neej yog 70 thiab nws tus txij nkawm yog 65.
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Cov nyiaj tau los txhua xyoo rau lub neej | Tus Nqi Them Nyiaj Ib Hlis | Tag nrho cov nyiaj tau los ntawm hnub nyoog 90 | |
|---|---|---|---|---|---|
| Ib Sim Neej Txiv Neej | Penn Kev Txij Nkawm Lub Neej | A+ | $16,062 | 8.00% | $321,240 |
| Lub Neej Thoob Ntiaj Teb | A+ | 15,910 | 7.95 | 318,200 | |
| Ib Sim Neej Poj Niam | Penn Kev Txij Nkawm Lub Neej | A+ | $15,494 | 7.70% | $309,880 |
| CUNA Kev Sib Koom | A | 15,099 | 7.50 | 301,980 | |
| Ob Leeg Lub Neej | Penn Kev Txij Nkawm Lub Neej | A+ | $13,244 | 6.62% | $264,880 |
| CUNA Kev Sib Koom | A | 12,925 | 6.46 | 258,500 |
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Cov nyiaj tau los txhua xyoo rau lub neej | Tus Nqi Them Nyiaj Ib Hlis | Tag nrho cov nyiaj tau los ntawm hnub nyoog 90 | |
|---|---|---|---|---|---|
| Ib Sim Neej Txiv Neej | CUNA Kev Sib Koom | A | $15,032 | 7.50% | $300,640 |
| Lub Neej Thoob Ntiaj Teb | A+ | 15,020 | 7.50 | 300,400 | |
| Ib Sim Neej Poj Niam | CUNA Kev Sib Koom | A | $14,406 | 7.20% | $288,120 |
| Lub Neej Thoob Ntiaj Teb | A+ | 14,298 | 7.10 | 285,960 | |
| Ob Leeg Lub Neej | CUNA Kev Sib Koom | A | $12,798 | 6.40% | $255,960 |
| Lub Neej Thoob Ntiaj Teb | A+ | 12,685 | 6.34 | 253,700 |
Lus Cim: Tib lub neej them rau ib tus neeg lub neej; sib koom lub neej them rau ob leeg txij nkawm lub neej.
Tau qhov twg los: Cannex
Cov nyiaj npib nrov tshaj plaws rau xyoo no tau yog cov nyiaj them poob qis, uas, zoo li CDs, them cov txiaj ntsig ruaj khov rau ib lub xyoo, thiab cov nyiaj tau los ruaj khov, uas cov nyiaj them poob haujlwm yog txuas nrog kev ua haujlwm ntawm cov khoom lag luam. Ob qho tib si yog siv rau hauv cov ntaub ntawv khaws tseg raws li cov nyiaj tau los hloov pauv, thiab tau tsav tsheb tag nrho 2022 nyiaj xyoo muag mus rau cov ntaub ntawv txhua xyoo.
Ob peb lub hlis twg tag nrho cov nyiaj xyoo muag yog qhov siab tshaj plaws ntawm cov ntaub ntawv ntawm $ 77.5 billion, raws li Limra's Secure Retirement Institute, tus kws tshawb fawb kev pov hwm hauv Windsor, Conn., uas kwv yees tag nrho cov kev muag khoom txhua xyoo yuav yog cov ntaub ntawv ntawm $ 265 nphom hauv xyoo 2008 thiab nce mus txog. nruab nrab ntawm $ 267 billion rau $ 288 billion.
Cov nyiaj them poob haujlwm tsis tu ncua nrog ntau xyoo lav, lossis MYGAs, tau them cov nqi ruaj khov ntau dua ob npaug ntawm xyoo tas los. Ob qhov nyiaj xyoo tas li tau lees paub 4.05% thiab 3.9% rau peb xyoos, piv nrog 1.9% thiab 1.8% xyoo tas los rau tib lub sijhawm.
"Cov khoom lag luam poob qis, daim ntawv cog lus poob qis, crypto poob qis. Lawv txhua tus muaj kev sib raug zoo. Tab sis ib qho nyiaj xyoo tas li tau nce, "hais tias David Lau, tus tsim ntawm DPL, qhov chaw ua lag luam tsis pub nyiaj pub dawb rau cov kws pab tswv yim them nqi nkaus xwb. "Nws muab rau koj muaj tseeb diversification."
Cov tub ua lag luam tau nyiam cov ntawv cog lus luv luv-feem ntau peb lossis tsib xyoos-yog li yog tias cov paj laum nce ntxiv, lawv tsis raug kaw rau lub sijhawm ntev, hais tias Kevin Rabin, tus lwm thawj ntawm cov nyiaj laus ntawm Symetra.
Qhov zoo tshaj plaws Annuities: Deferred-Income Annuities
Hu ua DIAs, cov ntawv cog lus no them cov nyiaj tau los yav tom ntej. Cov nyiaj tau los ntev dua yog ncua, qhov nyiaj them txhua xyoo ntau dua.
| lub tuam txhab | Rating | Nyiaj Pov Xyooj Lub Xyoo | Cov nyiaj tau los them los ntawm hnub nyoog 90 | |
|---|---|---|---|---|
| Ib Sim Neej Txiv Neej | Lub Neej Khuam Siab | A+ | $25,017 | $500,340 |
| Mass Mutual Life | A ++ | 24,603 | 492,060 | |
| Ib Sim Neej Poj Niam | Lub Neej Khuam Siab | A+ | $23,564 | $471,280 |
| CUNA Kev Sib Koom | A | 23,389 | 465,778 | |
| Ob Leeg Lub Neej | CUNA Kev Sib Koom | A | $19,719 | $394,382 |
| Mass Mutual Life | A ++ | 19,597 | 391,934 |
| lub tuam txhab | Rating | Nyiaj Pov Xyooj Lub Xyoo | Tag nrho cov nyiaj tau los ntawm hnub nyoog 90 | |
|---|---|---|---|---|
| Ib Sim Neej Txiv Neej | Lub Neej Khuam Siab | A+ | $66,028 | $660,280 |
| Symetra Lub Neej | A | 61,098 | 610,980 | |
| Ib Sim Neej Poj Niam | Lub Neej Khuam Siab | A+ | $58,705 | $587,050 |
| CUNA Kev Sib Koom | A | 56,573 | 565,730 | |
| Ob Leeg Lub Neej | CUNA Kev Sib Koom | A | $41,801 | $418,010 |
| Tus Saib Xyuas | A ++ | 40,152 | 401,520 |
| lub tuam txhab | Rating | Cov nyiaj tau los txhua xyoo thaum muaj hnub nyoog 84 xyoos | Tag nrho cov nyiaj tau los ntawm hnub nyoog 90 | |
|---|---|---|---|---|
| Ib Sim Neej Txiv Neej | Lub Neej Khuam Siab | A+ | $50,115 | $300,691 |
| Mass Mutual Life | A ++ | 38,861 | 233,163 | |
| Ib Sim Neej Poj Niam | Lub Neej Khuam Siab | A+ | $43,224 | $259,346 |
| Mass Mutual Life | A ++ | 34,540 | 207,238 | |
| Ob Leeg Lub Neej | Mass Mutual Life | A ++ | $26,924 | $161,549 |
| Lub Neej Khuam Siab | A+ | 26,814 | 160,884 |
Lus Cim: Tib lub neej them rau ib tus neeg lub neej; sib koom lub neej them rau ob leeg txij nkawm lub neej.
Tau qhov twg los: Cannex
Tsau-indexed annuities, ib qho kev hloov pauv ntawm cov ntawv cog lus ruaj khov, kuj tau ua rau muaj kev txaus siab tshiab ntawm cov tub ua lag luam, ua tsaug rau lawv cov nyiaj pov hwm tag nrho. Nyob rau sab saum toj, lawv khi lub capped rov qab mus rau ib qho khoom lag luam index. Limra cia siab tias yuav muag txog $ 57 nphom rau cov nyiaj xyoo no. Rau lub hlis nyob rau hauv, kev muag khoom twb ntaus ib ncig ntawm $37 billion.
Rau cov thawj lub sij hawm, Barron tus suav nrog cov nyiaj khwv tau los ruaj khov raws li cov cuab yeej cuab tam accumulators hauv peb cov lus saum toj kawg nkaus 100 xyoo. Txog rau xyoo no, cov paj laum qis tau ua rau muaj kev ntxhov siab rau lub kaus mom ntawm cov ntawv cog lus no mus rau theem uas ua rau lawv cov txiaj ntsig tsis txaus ntseeg.
Tab sis lub kaus mom ntawm S&P 500-txuas cov nyiaj tau los ruaj khov tau nce ntau dua ob npaug rau xyoo no, mus rau 9% los ntawm kwv yees li 4% xyoo tas los. Lub kaus mom muaj kev coj ncaj ncees ntau dua li cov ntawm RILAs vim tias lawv qhov kev tiv thaiv tseem ceeb yog qhov dav dua li RILAs 'downside guarantees.
Lub Upside ntawm RILAs
RILAs kuj tau txais cov cuab tam tseem ceeb. Txij li thaum ntaus lub lag luam nyob rau hauv 2010, cov no tau ua lag luam cov hnub qub nce thiab loj hlob sai tshaj plaws, nce 61%, mus rau $ 38.7 billion, xyoo tas los, raws li Limra. Xyoo no thawj peb lub hlis twg muag tau nce 5%, tab sis lawv lagged qab xyoo tas los thawj peb lub hlis twg, vim qee cov tub ua lag luam nyiam kev tiv thaiv tus thawj tswj hwm nrog ntau cov khoom lag luam hauv lub lag luam dais.
Lau hais tias "Qhov laj thawj nyiam RILAs yog kev nce nqi," Lau hais. "Ib txoj hauv kev los tiv thaiv kev nce nqi yog kom muaj kev nqis peev hauv kev ua lag luam, thiab cov no muab rau koj lub kaus mom ntawm ib ncig ntawm 20% ntawm S&P 500 thiab coj qee qhov kev pheej hmoo tawm ntawm lub rooj."
Qhov zoo tshaj plaws Annuities: Guaranteed Income With Some Flexibility, Liquidity, and Growth Potential
Daim ntawv cog lus nyiaj xyoo nrog cov neeg caij tsheb tau nyiaj tau los yog tsim los them cov nyiaj tau los txhua hli rau lub neej, suav nrog ib tus neeg lossis ob peb lub neej sib koom ua ke. Kev them nyiaj tuaj yeem siab dua li kev lees paub raws li kev loj hlob ntawm cov khoom muaj nqis hauv daim ntawv cog lus, thiab cov cuab yeej cuab tam muaj kua thiab siv tau rau cov tub ua lag luam ntau dua li hauv SPIAs thiab DIAs.
MUAJ TSWV YIM MUAJ COV NYIAJ TAU KHWV TAU LOS: Cov neeg caij tsheb no tau txais los ntawm S&P 500-txuas txuas nrog daim ntawv cog lus ib xyoos ib zaug nrog rau lub sijhawm them nqi xya xyoo. Assumes $200,000 peev los ntawm ib tug 60 xyoo. Kev them nyiaj pib thaum muaj hnub nyoog 70. Lub neej sib koom xav tias txij nkawm muaj hnub nyoog 60 xyoo.
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Ntawv Cog Lus Kev Cog Lus | Pob Tsuas Xyooj | Cov nyiaj tau los txhua xyoo thaum muaj hnub nyoog 70 xyoos | Cov nyiaj tau los them los ntawm hnub nyoog 90 | |
|---|---|---|---|---|---|---|
| Lub Neej Ib Vuag | Tiv Thaiv Lub Neej | A+ | Nyiaj Vaj Tsim | Cov Nyiaj Muaj Nyiaj Tau Los | 23,400 | 468,000 |
| Phaj Ej Lub Neej | A- | Xaiv Cov Nyiaj Tau Los | Cov Nyiaj Tau Los Hauv Lub Neej 2 | $22,000 | $440,000 | |
| Minnesota Lub Neej | A+ | SecureLink Yav Tom Ntej 7 | Neeg lub neej khwv nyiaj | 21,589 | 431,780 | |
| Miskas Tebchaws | A | Lub Tswv Yim Indexed Tshaj Tawm Ntxiv 7 | Cov nyiaj tau los hauv lub neej 1 | 21,337 | 426,740 | |
| Ob Leeg Lub Neej | Tiv Thaiv Lub Neej | A+ | Nyiaj Vaj Tsim | Cov Nyiaj Muaj Nyiaj Tau Los | 21,600 | $432,000 |
| Minnesota Lub Neej | A+ | SecureLink Yav Tom Ntej 7 | Neeg lub neej khwv nyiaj | 21,589 | 431,780 | |
| Phaj Ej Lub Neej | A- | Xaiv Cov Nyiaj Tau Los | Cov nyiaj tau los hauv lub neej 2 | $20,000 | $400,000 | |
| Miskas Tebchaws | A | Lub Tswv Yim Indexed Tshaj Tawm Ntxiv 7 | Cov nyiaj tau los hauv lub neej 1 | 19,397 | 387,940 |
VARIABLE-ANNUITY cov nyiaj tau los GUARANTEES: Cov neeg caij tsheb no raug muag raws li cov khoom ntxiv rau cov nyiaj xyoo sib txawv. Assumes $200,000 peev los ntawm ib tug 60 xyoo. Kev them nyiaj pib thaum muaj hnub nyoog 70 xyoo. Lub neej sib koom xav tias ob tus txij nkawm muaj hnub nyoog 60 xyoo.
| lub tuam txhab | AM BestRating | Ntawv Cog Lus Kev Cog Lus | Pob Tsuas Xyooj | Tus Nqi Daim Ntawv Cog Lus Txhua Xyoo * | Kev Pub Peev Nyiaj Siv Ntau Tshaj | Guaranteed nyiaj xyoo rau lub neej pib ntawm 70 | Cov nyiaj tau los them los ntawm hnub nyoog 90 | |
|---|---|---|---|---|---|---|---|---|
| Lub Neej Ib Vuag | Lub Neej Thoob Ntiaj Teb | A+ | Qhov chaw B 2.0 | Cov nyiaj tau los ntawm lub neej + Core | 2.20% | 60% | $17,920 | $358,400 |
| Lincoln Lub Neej Hauv Nras | A+ | ChoicePlus Assurance | Cov Nyiaj Tau Los Hauv Lub Neej Advantage 2.0 | 2.80 | 80 | 17,600 | 352,000 | |
| AIG | A | Polaris Platinum III | Polaris Cov Nyiaj Tau Los Max | 2.6 | 56 | 16,165 | 323,300 | |
| Ob Leeg Lub Neej | Lub Neej Thoob Ntiaj Teb | A+ | Qhov chaw B 2.0 | Lub neej khwv nyiaj | 2.50% | 60% | $16,320 | $326,400 |
| Lincoln Lub Neej Hauv Nras | A+ | ChoicePlus Assurance | Cov Nyiaj Tau Los Hauv Lub Neej Advantage 2.0 | 2.90 | 80 | 15,520 | $310,400 | |
| AIG | A | Polaris Platinum III | Polaris Cov Nyiaj Tau Los Max | 2.6 | 56 | 14,945 | 298,900 |
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Ntawv Cog Lus Kev Cog Lus | Pob Tsuas Xyooj | Tus Nqi Daim Ntawv Cog Lus Txhua Xyoo * | Cov nyiaj tau los thawj xyoo | Muaj peev xwm nyiaj tau los nruab nrab ib xyoos ib zaug | Cov Nyiaj Tau Los Txhua Xyoo Guarantee yog Cov Nyiaj Tau Los Hauv Zero poob rau xoom | |
|---|---|---|---|---|---|---|---|---|
| Lub Neej Ib Vuag | Lub Neej Thoob Ntiaj Teb | A+ | Qhov chaw B 2.0 | Cov Nyiaj Tau Los Ntawm Lub Neej Plus Max | 2.60% | $27,200 | $22,080 | $10,200 |
| AIG | A+ | Polaris Preferred Solution | Polaris Cov Nyiaj Tau Los Max 2 | 2.45 | 23,637 | 22,360 | 9,912 | |
| Lincoln Lub Neej Hauv Nras | A+ | ChoicePlus Assurance | Max 6 Xaiv Qhov Zoo Los Ua | 2.80 | 25,600 | 22,000 | 9,600 | |
| Ob Leeg Lub Neej | Lub Neej Thoob Ntiaj Teb | A+ | Qhov chaw B 2.0 | Cov Nyiaj Tau Los Ntawm Lub Neej Plus Max | 2.60% | $26,350 | $20,297 | $10,200 |
| AIG | A+ | Polaris Preferred Solution | Polaris Cov Nyiaj Tau Los Max 2 | 2.45 | 22,417 | 19,960 | 8,692 | |
| Lincoln Lub Neej Hauv Nras | A+ | ChoicePlus Assurance B | Max 6 Xaiv Qhov Zoo Los Ua | 2.90 | 24,000 | 19,280 | 8,800 |
* suav nrog cov ntawv cog lus tuag thiab tus nqi them thiab tus nqi caij tsheb; tsis suav nrog cov nqi ntawm cov peev txheej zoo li kev nqis peev.
Qhov chaw: Cannex; tuam txhab qhia
RILAs muab ib qho tsis muaj lossis hauv pem teb ntawm qhov kev poob qis, thiab cov npe ntev ntawm cov kev ntsuas rau kev koom nrog upside.
Nrog rau qhov tsis, lub tuam txhab kev pov hwm absorbs poob mus txog qhov taw tes, feem ntau 10% lossis 20%. Piv txwv li, nrog 10% tsis, yog tias kev lag luam poob qis 15%, tus neeg ua lag luam tsuas yog siv 5% ntaus.
Cov khoom hauv pem teb muaj kev pheej hmoo sib txawv: Nrog 10% pem teb, tus neeg ua lag luam, tsis yog tus neeg tuav pov hwm, absorbs 10% ntawm qhov poob thiab lub tuam txhab pov hwm noj dab tsi tshaj qhov ntawd.
"RILAs yog cov kauj ruam tom ntej ntawm kev pheej hmoo spectrum. Ua ntej koj muaj MYGA, thiab cov nuj nqis tas li yog cov kauj ruam tom ntej, "hais tias Mike Downing, tus lwm thawj coj ntawm Athene. "Yog tias koj saib ntawm cov hnub nyoog, cov laus nyiam tsom mus rau MYGAs, thiab RILA qhov chaw skews hluas dua vim tias muaj kev pheej hmoo siab dua thiab muaj kev pheej hmoo ntau dua."
Iterations ntawm thawj lub ntsiab lus RILA tsis tau tawg. Lub tiaj-vanilla RILA muaj 10% tsis muaj thiab lub hau ntawm S&P 500, tab sis tam sim no muaj cov npe ntev thiab loj hlob ntawm cov khoom qab zib thiab toppings. Piv txwv li, koj tuaj yeem xaiv los ntawm ntau tshaj kaum tawm qhov ntsuas rau upside, downside tiv thaiv txij li 5% mus rau 100%, ntau txoj hauv kev los credit koj tus as khauj kom muaj kev cuam tshuam kev lag luam, thiab cov kev xaiv txhawm rau txhawm rau ua haujlwm ua ntej xyoo cog lus.
Kev xaiv cov tub lag luam tsis xaus rau ntawd. Qee lub tuam txhab muab ob lub qauv ntawm tib cov khoom RILA, ib qho nrog tus nqi txhua xyoo uas tuaj nrog lub hau siab dua ntawm S&P 500, thiab lwm yam tsis muaj nqi nrog lub hau qis.
Piv txwv li, Great American Life's 10% buffer Index Frontier 7 RILA los nrog 26% cap ntawm S&P 500 tus nqi rov qab rau 1% tus nqi txhua xyoo, thiab nws cov qauv tsis muaj nqi-cov nuj nqis raug ci rau hauv lub hau-muaj 19% cap. .
A 26% cap yuav tsim nyog them rau, yog tias koj ntseeg tias kev ua lag luam yuav ua tau zoo dua li daim ntawv cog lus tsis them nqi 19% cap. Tab sis thaum txiav txim siab zoo li no, xav txog tias RILAs tsis suav nrog qhov ntsuas qhov nyiaj tau los. Kev nqis peev hauv qab hauv RILAs tsis tau nqis peev hauv kev lag luam Tshuag - lawv yog cov khoom siv los siv los sim ua qhov ntsuas qhov rov qab los. Vim tias cov khoom muaj nqis tsis tau nqis peev hauv cov tuam txhab, cov tub ua lag luam tsis koom nrog cov nyiaj faib.
Qhov zoo tshaj plaws Annuities rau tsub zuj zuj: Downside Protection With Upside
Cov nyiaj xyoo no yog tsim los khi rov qab rau cov khoom lag luam indexes thaum muab cov qib sib txawv ntawm cushion ntawm downside.
POV THAWJ-MUAJ LINKED SAIB XYUAS (RILAS): Cov ntawv cog lus no, tseem hu ua qhov sib txawv-indexed annuities, muab qee qhov kev tiv thaiv kev poob thiab upside khi rau qhov ntsuas nrog kev txwv los ntawm lub kaus mom lossis kev koom tes. Piv txwv li $ 200,000 peev khi rau S&P 500.
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Daim ntawv cog lus | Lub Sijhawm Them Nqi Them (Xyoo) | Tus Nqi Txhua Xyoo | Tiv Thaiv Poob | Cap rau S&P 500 Rov Qab | Rate Term (Xyoo) | |
|---|---|---|---|---|---|---|---|---|
| Commission-Raws Li | Miskas Lub Neej | A+ | Qhov Ntsuas Ua Ntej 7 | 7 | 1% | 10% | 26% | 1 |
| Allianz | A+ | Cov ntsiab lus txhawb tau zoo | 6 | 1.25 | 10 | 23 | 1 | |
| Lincoln Tebchaws | A+ | Qib Kom Zoo Dua | 6 | tsis muaj leej twg | 10 | 20 | 1 | |
| Symetra Lub Neej | A | Trek Ntxiv | 6 | tsis muaj leej twg | 10 | 20 | 1 | |
| Lincoln Lub Neej Hauv Nras | A+ | Qib Kom Zoo Dua | 6 | tsis muaj leej twg | 15 | 15 | 1 | |
| Tiv Thaiv Lub Neej | A+ | Kev Tiv Thaiv Kev Lag Luam II | 6 | tsis muaj leej twg | 15 | 16.5 | 1 | |
| Lincoln Lub Neej Hauv Nras | A+ | Qib Kom Zoo Dua | 6 | tsis muaj leej twg | 20 | 12.5 | 1 | |
| Ntiaj teb no Atlantic – Forethought Life | A | ForeStructured Loj hlob | 6 | tsis muaj leej twg | 20 | 12 | 1 |
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Daim ntawv cog lus | Lub Sijhawm Them Nqi Them (Xyoo) | Tus Nqi Txhua Xyoo | Tiv Thaiv Poob | Cap rau S&P 500 Rov Qab | Rate Term (Xyoo) | |
|---|---|---|---|---|---|---|---|---|
| Nqi-Raws Li | Allianz | A+ | Qhov Kev Tshaj Lij Tau Zoo ADV | 6 | .25% | 10% | 23% | 1 |
| Lincoln Lub Neej Hauv Nras | A+ | Qib Kev Tawm Tsam Tawm Ntxiv | tsis muaj leej twg | tsis muaj leej twg | 10 | 21.5 | 1 | |
| Jackson Lub Neej Lub Neej | A | Market Link Pro Advisory | tsis muaj leej twg | tsis muaj leej twg | 10 | 21 | 1 | |
| Lincoln Lub Neej Hauv Nras | A+ | Qib Kev Tawm Tsam Tawm Ntxiv | tsis muaj leej twg | tsis muaj leej twg | 15 | 16.5 | 1 | |
| Jackson Lub Neej Lub Neej | A | Market Link Pro Advisory | tsis muaj leej twg | tsis muaj leej twg | 20 | 13.5 | 1 | |
| Lincoln Lub Neej Hauv Nras | A+ | Qib Kev Tawm Tsam Tawm Ntxiv | tsis muaj leej twg | tsis muaj leej twg | 20 | 13.5 | 1 |
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Daim ntawv cog lus | Lub Sijhawm Them Nqi Them (Xyoo) | Tus Nqi Txhua Xyoo | Loj Tshaj Qhov Tsis Tau | Cap rau S&P 500 Rov Qab | Rate Term (Xyoo) | |
|---|---|---|---|---|---|---|---|---|
| Commission-Raws Li | Allianz | A+ | Cov nyiaj tau los zoo | 6 | tsis muaj leej twg | 10% | 13.75% | 1 |
| Miskas Lub Neej | A+ | Qhov Ntsuas Ua Ntej 7 Pro | 7 | tsis muaj leej twg | 10 | 13.5 | 1 | |
| Tiv Thaiv Lub Neej | A+ | Kev Tiv Thaiv Kev Lag Luam II | 6 | tsis muaj leej twg | 10 | 12.5 | 1 | |
| Tiv Thaiv Lub Neej | A+ | Kev Tiv Thaiv Kev Lag Luam II | 6 | tsis muaj leej twg | 20 | 22 | 1 | |
| Jackson Lub Neej Lub Neej | A | Market Link Pro | 6 | tsis muaj leej twg | 20 | 18.75 | 1 |
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Daim ntawv cog lus | Lub Sijhawm Them Nqi Them (Xyoo) | Tus Nqi Txhua Xyoo | Loj Tshaj Qhov Tsis Tau | Cap rau S&P 500 Rov Qab | Rate Term (Xyoo) | |
|---|---|---|---|---|---|---|---|---|
| Nqi-Raws Li | Allianz | A+ | Cov ntsiab lus txhawb tau zoo | 6 | tsis muaj leej twg | 10% | 13.75% | 1 |
| Jackson Lub Neej Lub Neej | A | Market Link Pro Advisory | tsis muaj leej twg | tsis muaj leej twg | 10 | 12.75 | 1 | |
| Jackson Lub Neej Lub Neej | A | Market Link Pro Advisory | tsis muaj leej twg | tsis muaj leej twg | 20 | 20 | 1 |
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Daim ntawv cog lus | Lub Sijhawm Them Nqi Them (Xyoo) | Tus Nqi Txhua Xyoo | Tiv Thaiv Poob | upside |
|---|---|---|---|---|---|---|
| New York neej | A ++ | Premier VA FP Series | 7 | 1.2% yog '; 1% (1) | 100% ntawm tus thawj tswj hwm (2) | Tag nrho rov qab los ntawm cov khoom lag luam hauv qab lossis cov nyiaj qiv nyiaj. |
| New York neej | A ++ | IndexFlex VA FP Series | 5 | Tsis muaj lossis 1.3% (3) | 100% ntawm indexed account tus nqi | 6.75% cap ntawm S&P 500; tsis muaj cap rau upside hauv subaccounts. |
| Allianz | A+ | Cov ntsiab lus txhawb tau zoo | 6 | tsis muaj leej twg | 10% tsis muaj | Uncapped; 130% ntawm S&P 500 rov qab rau xyoo. |
| Athene Annuity & Lub Neej | A | Amplify 2.0 | 6 | 0.95% | 10% tsis muaj | Uncapped; 145% ntawm S&P 500 rov qab rau xyoo. |
| Symetra | A | Symetra Trek Ntxiv | 6 | 1.0 | 10% tsis muaj | Uncapped; 141% ntawm S&P 500 rov qab rau xyoo. |
| Miskas Lub Neej | A+ | Qhov Ntsuas Tshaj Tawm 6 Pro | 6 | .75 | Ib nrab ntawm ib qho poob | 19% cap los yog 76% kev koom tes hauv S&P500 rov qab txhua xyoo; 1-xyoo lub sij hawm |
| Vaj Huam Sib Luag | A | SCS Ntxiv Ntxiv Kev Taw Qhia | 6 | tsis muaj leej twg | 10% tsis muaj | S&P 500 poob txhua xyoo hauv -10% muab qhov zoo sib npaug rov qab: -8% hloov mus rau 8%. Cap ntawm 250% / 450% (commissined / nqi khoom) tshaj rau xyoo. |
| Vaj Huam Sib Luag | A | SCS 21 Plus Step-Up | 6 | tsis muaj leej twg | 10% tsis muaj | Yog S & P 500 rov los txhua xyoo yog tiaj lossis zoo, koj tau txais tag nrho 13% nyiaj tau los ntawm kev cog lus ua haujlwm lossis 15% ntawm tus nqi them. |
| Symetra | A | Symetra Trek Ntxiv | 6 | tsis muaj leej twg | 10% tsis muaj | Yog tias S&P 500 rov qab txhua xyoo yog xoom lossis zoo, koj tau txais 14.5% rov qab tsis siv neeg |
| Lincoln | A+ | Qib Kom Zoo Dua | 6 | tsis muaj leej twg | 10% tsis muaj | Yog tias S&P 500 rov qab txhua xyoo yog xoom lossis zoo, koj tau txais 14% rov qab tsis siv neeg |
(1) 1.2% kev tuag thiab tus nqi siv rau cov nqi cog lus; 1% siv rau cov nyiaj tau lees paub los ntawm tus neeg caij tsheb nrog lub sijhawm tuav 10 xyoo.
(2) Kev tiv thaiv pib tom qab 10 xyoo tuav; kuj muaj peev xwm tiv thaiv qee qhov kev loj hlob; cov nyiaj tau lees paub tuaj yeem rov pib dua txhua xyoo.
(3) Cov tub ua lag luam tuaj yeem xaiv, thiab hloov pauv ntawm, ib qho kev sib txuas nrog tus account nrog kev tiv thaiv downside lossis cov nyiaj tau los hloov pauv tsis tu ncua. Tsuas yog cov khoom muaj nqis hauv subaccounts yuav raug nqi.
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Daim ntawv cog lus | Tiv Thaiv Poob | Cap rau S&P 500 Rov Qab | |
|---|---|---|---|---|---|
| Raws li Commission | Lincoln Lub Neej Hauv Nras | A+ | FlexAdvantage 5 | 100% ntawm tus thawj tswj hwm | 9.5% |
| Athene Annuity & Lub Neej | A | Accumulator 5 | 100% ntawm tus thawj tswj hwm | 9 | |
| Delaware Lub Neej | A- | Txoj Kev Loj Hlob 5 | 100% ntawm tus thawj tswj hwm | 8.8 | |
| Nqi raws li | Pruco Lub Neej | A+ | PruSecure Advisor | 100% ntawm tus thawj tswj hwm | 11.5 |
| Lincoln Lub Neej Hauv Nras | A+ | Covered Choice Advisory 5 II | 100% ntawm tus thawj tswj hwm | 10 | |
| Ntiaj teb no Atlantic – Forethought Life | A | ForeAccumulation II Advisory | 100% ntawm tus thawj tswj hwm | 9 |
Qhov chaw: Cannex; tuam txhab qhia
Qee lub tuam txhab, suav nrog Allianz, Prudential, CUNA Mutual, thiab Equitable, tau qhia cov neeg caij tsheb tau txais txiaj ntsig ntawm RILAs.
Thawj kauj ruam rau cov tub ua lag luam txaus siab rau RILAs yog xaiv ntawm ib qho hauv pem teb thiab tsis muaj. Wade Pfau, Tus Thawj Saib Xyuas Nyiaj Laus Nyiaj Laus tau lees paub tus kws tshaj lij tus thawj coj ntawm American College of Financial Services, pom tus yeej meej: qhov tsis muaj.
Pfau hais tias "Ntau cov khoom xa rov qab poob rau ntawm 0% thiab rho tawm 10% tshaj li ntawm qhov rho tawm 10%, yog li nrog rau pem teb version koj yuav raug ntaus ntau zaus," Pfau hais.
Txij li xyoo 1926, S&P 500 tau muaj 14 xyoo nrog rov qab los ntawm 0% thiab rho tawm 10%. Cov xyoo dhau los tuaj yeem muaj peev xwm tiv thaiv los ntawm 10% tsis muaj. Muaj 11 xyoo nrog rov qab phem dua li rho tawm 10%. Ib qho 20% tsis tuaj yeem tiv thaiv cov tub ua lag luam poob hauv tag nrho tab sis plaub xyoos.
Cov Nyiaj Tau Los Zoo Tshaj Plaws
Cov nyiaj xyoo nrog cov nyiaj tau los tau lees paub feem ntau tau txais lub rooj zaum rov qab hauv qhov chaw nyob rau xyoo no, vim tias cov tub ua lag luam tau tsom mus rau kev sim ua kom ruaj khov thiab ruaj ntseg kev loj hlob rau lawv cov ntaub ntawv, tab sis kev lav phib xaub ntau dua rau xyoo no.
Tsau thiab sib txawv annuities tuaj yeem ua ke nrog cov nyiaj tau los ntawm cov neeg caij tsheb uas lav qhov nyiaj tau los tsawg kawg rau lub neej, thiab tej zaum ntau dua yog tias cov peev txheej hauv qab no ua tau zoo.
Riders yog pricey, tshwj xeeb tshaj yog thaum txiav txim siab nyob rau sab saum toj ntawm tus nqi rau daim ntawv cog lus lawv tau khi rau. Piv txwv li, rau 60-xyoo-laus uas xav nqis peev $ 200,000 hauv ib lub xyoo sib txawv thiab npaj kom coj mus rhaub cov nyiaj tau los txhua xyoo thaum muaj hnub nyoog 70 xyoo, Nationwide Life's Destination B 2.0 nrog rau Cov Nyiaj Tau Los Ntawm Lub Neej + Cov neeg caij tsheb tau them nyiaj siab tshaj qhov nyiaj tau los txhua xyoo - $ 17,920 - rau tag nrho 2.2% tus nqi txhua xyoo.
Qhov zoo tshaj plaws Annuities: Tax-Deferred Savings
Cov nyiaj annuities no yog siv los khaws cov khoom muaj nqis raws li kev txiav se tawm. Zoo li hauv 401(k), tuaj yeem raug nplua 10% rau kev rho tawm cov cuab tam ua ntej hnub nyoog 59 1/2. Cov nqi thiab cov nqi no suav tias yog $ 200,000 peev.
| lub tuam txhab | Daim ntawv cog lus | Tus Nqi Daim Ntawv Cog Lus Txhua Xyoo * | Avg. Tus Nqi Them Nqi ntawm Subaccounts ** | Surrender nqi | Total Investment Options (Tag nrho Lwm Txoj Kev Xaiv) | 5 yr Avg. Ann. Rov qab rau Qhov Ua Tau Zoo Tshaj Plaws Tebchaws Asmeskas Cov Nyiaj Loj Hlob *** |
|---|---|---|---|---|---|---|
| Vaj Huam Sib Luag | Kev nqes peev ntug Series ADV | tsis muaj leej twg | 1.02% | tsis muaj leej twg | 110 (24) | 13.50% |
| Lincoln Lub Neej Hauv Nras | Cov Neeg Ua Lag Luam Ua Lag Luam Cov Lus Pom Zoo Pro | 0.10% | 0.88 | tsis muaj leej twg | 139 (13) | 15.04 |
| Jackson Lub Neej Lub Neej | Cov Muaj Tswv Yim Pab Tau Elite II | $ 240 (1) | 0.78 | tsis muaj leej twg | 123 (8) | 12.11 |
| Tebchaws no | Tus Saib Xyuas Monument | $ 240 (1) | 0.55 | tsis muaj leej twg | 341 (48) | 16.10 |
| Tebchaws no | Cov Nyiaj Pab Tawm Tswv Yim Tawm Haujlwm (NARIA) | 0.20% | 0.61 | tsis muaj leej twg | 147 (6) | 16.10 |
| Kev Ntseeg ruaj Lub Neej | Kev So Haujlwm Tus Kheej | 0.25 | 0.57 | tsis muaj leej twg | 61 (2) | 16.00 |
* Tus nqi muaj xws li: kev tswj hwm thiab kev tuag thiab kev siv nuj nqis. Tsis muaj ib qho nqi ntxiv rau ntawm cov ntawv cog lus no rau kev xa rov qab ntawm daim ntawv cog lus tus nqi thaum tuag.
** Cov khoom vaj khoom tsev-qhov hnyav qhov nruab nrab tus nqi siv rau ntawm cov peev txheej zoo li kev nqis peev.
*** Txog Lub Rau Hli 30, 2022
(1) Tus nqi them txhua xyoo rau kev nqis peev loj; sib npaug rau 0.12% ntawm $ 200,000 peev.
Tau qhov twg los: Company reports
| lub tuam txhab | AM Kev Ntsuas Tus Zoo Tshaj | Daim ntawv cog lus | Lub Sijhawm Tiav Tus Nqi (Xyoo) | Tus Neeg Puav Pheej |
|---|---|---|---|---|
| Midland Lub Neej | A+ | Oak Advantage | 3 | 4.05% |
| Txawj Teev Vaj Kev Nyiaj Txiag | A | Fixed Rate Annuity | 3 | 3.90 |
| Delaware Lub Neej | A- | Apex MYGA | 3 | 3.55 |
| Mass Mutual Life | A ++ | Stable Voyage | 3 | 3.50 |
| Midland Lub Neej | A+ | Oak Advantage | 5 | 4.60 |
| Txawj Teev Vaj Kev Nyiaj Txiag | A | Fixed Rate Annuity | 5 | 4.30 |
Tau qhov twg los: Cannex
Tus nqi noj tam sim ntawd ntawm kev nqis peev hauv qab hauv daim ntawv cog lus, uas tuaj yeem tsoo xoom nyob ntawm kev ua lag luam. Kev ntaus nqi xoom yuav tsis cuam tshuam rau qhov tsawg kawg nkaus them tag nrho lub neej nyob rau hauv daim ntawv cog lus no - txawm hais tias hauv qee qhov kev cog lus, cov nyiaj tau los poob qis thaum cov khoom muaj nqis ploj mus - tab sis yuav tsis muaj dab tsi ntxiv rau cov qub txeeg qub teg.
Kev lag luam tawm hauv cov ntawv cog lus no yog qhov ceeb toom tias cov nyiaj xyoo yog cov khoom pov hwm, thiab kev tiv thaiv tuaj ntawm tus nqi. Lincoln annuity tuaj yeem yog ib qho kev daws teeb meem rau ib tus neeg xav tau cov nyiaj tau los ntau tshaj plaws, tab sis tsis yog qhov kev xaiv zoo tshaj plaws rau ib tus neeg xav tawm ntau li ntau tau rau cov qub txeeg qub teg.
Ib qho kev lag luam tawm uas cov tub ua lag luam tsis kam ua yog qhov tsis txaus ntseeg rau cov nyiaj them siab tshaj plaws. Kev muag khoom ntawm annuities 'feem ntau hloov tsis tau, tsis tau them nyiaj siab tshaj, cov khoom lag luam tau nyiaj tau los ntawm xyoo no.
Ib qho txiaj ntsig tam sim no, lossis SPIAs, thiab cov nyiaj tau los ncua sij hawm, lossis DIAs, yog li yooj yim npaum li cov nyiaj tau los: Koj nqis peev ib pob nyiaj thiab daim ntawv cog lus them rau lub neej, zoo li nyiaj laus, tam sim ntawd los yog yav tom ntej. Lawv cov nyiaj them poob haujlwm tau nce ntau. Rau ib tug txiv neej muaj hnub nyoog 60 xyoo nqis peev $ 200,000 thiab npaj pib cov nyiaj tau los thaum muaj hnub nyoog 70, qhov sib tw DIA tshaj plaws uas them tus nqi tseem tshuav rau cov txais txiaj ntsig yog Kev Ncaj Ncees Lub Neej, nrog cov nyiaj them txhua xyoo ntawm $ 25,017. Xyoo tas los, daim ntawv cog lus saum toj kawg nkaus them $ 17,916.
Tab sis lawv yog irrevocable daim ntawv cog lus, thiab nrog rau cov paj laum yuav tsum nce ntxiv, cov tub ua lag luam tsis tom. Kev muag khoom nyob rau xyoo no thawj peb lub hlis twg yog tiaj tus rau SPIAs thiab rho tawm 14% rau DIAs, piv nrog 2021 thawj peb lub hlis twg, raws li Limra.
Thaum daim ntawv cog lus annuity tau teev nyob rau hauv Barron tus lub rooj nyob rau hauv kev txiav txim raws li ib lub hom phiaj - txawm tias nws yog cov nyiaj tau los siab tshaj plaws, tus nqi zoo tshaj, los yog tus nqi qis tshaj - cov neeg lag luam yuav tsum ntsuas lwm yam tseem ceeb xws li daim ntawv cog lus cov nyiaj tau los, cov peev txheej hauv qab, cov nuj nqis, thiab cov peev xwm upside kom paub tseeb tias cov ntsiab lus sib haum nrog lawv lub hom phiaj.
Xav txog kev nqis peev-tsuas yog hloov pauv nyiaj xyoo, lossis IOVAs. Cov nyiaj xyoo sib txawv zoo ib yam li 401(k)s. Cov cuab yeej cuab tam tau nqis peev rau hauv cov peev txheej zoo li cov nyiaj hauv qab thiab loj hlob se-them ncua, tab sis tsis tuaj yeem kov yam tsis muaj kev nplua mus txog rau hnub nyoog 59½. Txawm hais tias feem ntau cov nyiaj xyoo sib txawv tuaj nrog cov nyiaj tau los lossis lwm yam txiaj ntsig - thiab cov nqi tseem ceeb - IOVAs pheej yig thiab siv tau rau kev loj hlob ntxiv se-them ncua.
Hauv lub rooj, IOVAs raug txiav txim los ntawm lawv cov nqi cog lus, yog li Equitable Investment Edge Advisory Variable Annuity, uas tshem tawm tag nrho cov nqi cog lus xyoo no, tau teev nyob rau hauv qhov chaw saum toj kawg nkaus. Tab sis tus neeg ua lag luam uas xav tau kev nqis peev ntau tshaj plaws, suav nrog lwm txoj hauv kev, tuaj yeem txiav txim siab them tus nqi $ 240 ib hlis - qhov sib npaug ntawm 0.12% ntawm $ 200,000 peev - rau Nationwide Monument Advisor Variable Annuity, uas muaj 341 qhov kev nqis peev hauv qab, ntawm 48. yog lwm txoj kev nqis peev, piv nrog Equitable daim ntawv cog lus 110 kev xaiv.
Cov kab hauv qab: Qhov nyiaj xyoo zoo tshaj rau koj cov neeg nyob ze tej zaum yuav tsis yog qhov zoo tshaj plaws rau koj. Txhawm rau kom tau txais qhov zoo tshaj plaws ntawm cov nyiaj xyoo, ua ntej nkag siab meej txog qhov koj xav tau, Lau hais tias, "tom qab ntawd xaiv ib qho rau qhov nws tuaj yeem ua rau koj."
Email: [email tiv thaiv]
Tau qhov twg los: https://www.barrons.com/articles/best-annuities-income-growth-51658437642?siteid=yhoof2&yptr=yahoo