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19:56-- Гость_6775: An annuity is a financial product that is sold by an insurance company. While a life insurance contract is designed to protect the family members against untimely death of the insured person, an annuity is designed to function as a means of sustenance for a retiree and his spouse, in case they live longer than expected.There are a number of retirement plans, such as 401(k), traditional IRA, Roth IRA, Roth 401(k) and annuity. Each of these have their pros and cons. Income ceiling, mandatory withdrawals, and limits on contribution are some of the factors that have to be taken into account while deciding on a retirement plan.In case of traditional IRA, 401(k), and Roth 401(k), a person has to start withdrawing his money after the age of 70½ years. This might not be a bad option, apart from the fact that the money, once withdrawn, is taxed. These taxes tend to eat into a retirees nest egg. Roth IRA, on the other hand, has an income ceiling, and there are no mandatory withdrawals. Both traditional and Roth IRAs have limits on contribution.In case of 401(k), the contributions are tax-exempt and gains are tax-deferred. In case of Roth 401(k), the contributions are taxable while the gains are tax-deferred. Roth IRA contributions are taxable while the traditional IRA contributions may or may not be tax deductible.An annuity, on the other hand, has no income ceiling, there are no limits on contribution, and withdrawals are not mandatory. Moreover, earnings are allowed to accumulate tax-deferred. Hence, an annuity is desirable for a person who has maxed out his contribution to various retirement plans and is expected to live past the age of 70.Generally, investing in an annuity would involve making a one-time payment to the insurance company. Unlike life insurance, there are no premiums. The insurance company, then invests on behalf of the annuity holder and provides a regular income either on or before retirement. Fixed and Variable Annuity A fixed annuity is one that guarantees the rate of return on investment. Depending on the kind of fixed annuity, one might also receive a guarantee for the entire amount invested. A variable annuity, on the other hand, provides a rate of return that depends entirely on one's ability to choose a good portfolio of securities. Unlike a variable annuity, a fixed annuity is not regulated by the SEC, and hence, the strength of the insurance company has to be taken into account before investing in a fixed annuity.Deferred Annuity This is the most common type that provides a regular income on retirement. A deferred annuity generally requires regular contributions. The investment grows over time and starts providing a regular income after a period of deferral. Deferred annuities can either be fixed or variable.Surrender and No-surrender Annuity Liquidity is the ability to convert assets into cash within a short period of time. On the basis of liquidity, preference annuities can be classified as surrender or no-surrender. Any an
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Последние новости футбола

14.03.2013 23:04:00

Продолжает удивлять швейцарская команда, на которую никто не ставил. В прошлом раунде Базель сумел пройти днепропетровский Днепр, который имел также большие амбиции в нынешней Лиге Европы.

14.03.2013 12:56:34

Норвежский судья Том Хаген был назначен главным на поединок россиян против североирландцев. Встреча пройдет в рамках отбора на мировое футбольное первенство, которое состоится в 2014-м. Том Хаген не только судит поединки, а и работает учителем.

14.03.2013 10:30:59

После завершения поединка двадцатого тура столичного Спартака против грозненского Терека администрации команды стало понятно, что придется заплатить за поведение своих поклонников. Информацию о штрафе сообщили на официальном сетевом ресурсе РФС.