A couple learning what is an annuity 和 how they work.

年金是如何运作的?

An annuity could be a valuable addition to your 退休 plan. Here's how they work 和 what they are.

什么是年金?

Typically, an annuity is one option of accumulating money 退休前, 和 eventually distributing money during 退休 or at your death. 对于许多即将退休或即将退休的人来说,一个重要的问题是他们的钱不够用. A 退休年金,有时被称为a 终身年金,是一个 pp王者电子官网合同 无论你活多久,你所购买的东西都可以为你的生活提供收入, 或者是一个特定的时间段. 这是你的选择.

为什么要买年金?

没人知道会持续多久 退休 会持续下去. That means one of the biggest risks you face is outliving your money. 在退休, you’ll continue to face the basic costs of living, 比如住房, 食品杂货, 公用事业公司, 医疗保健和税收. 把年金收入和社会保障福利结合起来, you can help ensure that these basic costs are covered.

年金是如何运作的?

年金是年金持有人与发行年金的公司之间的一种契约. You buy the annuity, 和 the company pays you interest on the money. 在某个年龄, 你开始把钱取出来,只要你活着,你就可以收到付款. 一些年金类型可能有助于减少比退休收入更长寿的可能性.

年金人寿pp王者电子官网 因为大多数年金合同是由人寿pp王者电子官网公司签订的,所以经常在同一谈话中被提及. However, 人寿pp王者电子官网 is intended to meet the needs of the 受益人 after the death of the policyholder. 年金的目的是为pg电子官方网页版提供额外的收入 退休年.

T在这里 are distinct phases of annuity contracts.

  • 积累阶段: 在您购买年金之后,在您开始收到付款之前的一段时间. 在这个阶段, your investment will grow at a guaranteed or a variable rate of return, 典型的递延税项. 请记住,即时年金没有累积阶段, as payments begin right after a person purchases the product.
  • Annuitization阶段: When you start receiving payments, typically at 退休. This phase is also called annuity or payout phase. 根据您购买的年金产品,支付的金额和长度是不同的. 

年金的类别

有各种各样的 年金的种类 including immediate, deferred, fixed 和 可变年金. 直接vs. deferred category has to do with when your income payout begins. 固定vs. variable category has to do with how your contributions are invested.

即时年金

即时年金 generate income immediately after purchase. 你的钱提供了 、有担保的款项 to you that begin soon after you make your initial payment. 这取决于你的年金是否符合纳税条件, a portion or the entire payment can be included in your taxable income. The owner can elect to receive 、有担保的款项 for life, 或选择在指定的时间(某段时间)内付款.

延期年金

递延年金允许您的投资在您决定在未来的某个时候开始收到收入支付之前实现税收递延增长. And you can choose when you want to start receiving income payments. 延期支付年金 对于那些正在寻找另一种方式为退休存钱的人来说,这也有意义, even when it is a few years down the road.

固定年金

与可变年金一样,固定年金也需要考虑风险因素. pp王者电子官网公司接受投资风险,并将资金投入高质量的固定利率投资,如债券. 这使公司能够在一段时间内获得稳定的固定利率.

变额年金

可变年金, the risk is taken by the policyholder, 而不是pp王者电子官网公司,因为这些钱是基于市场的投资. This may include stocks, bonds, mutual funds or money markets. 你可以选择在不同的投资中转移资金. 此外,回报率可以根据投资的表现而变化.

索引的年金

Indexed annuities have both fixed 和 variable annuity features. 他们提供一个基本的保证利率以及一个基于利率的利率 股票市场指数,比如S&P®500指数. 当市场表现良好时,这为投资增长提供了机会. An indexed annuity can be a complex product. Consider discussing all the features, 费用, 向你的pp王者电子官网代理人提出费用和任何税收罚款,这样你就能在购买之前了解它们是如何相互作用的.

年金支付选择

When you purchase annuities, t在这里 are many payout options available. Here are some you can choose from:

  • 人寿年金化期权. 有了这个选项,你将获得终身付款,金额是根据养老金领取者的预期寿命计算的. 
  • Joint-life annuitization option. This option will allow your spouse to receive payments after you die. The payments are usually lower than the option above, 因为它是根据你和你配偶的预期寿命计算出来的.
  •  某些. The annuity is paid for the period of time you choose, 和 in the case that you die before the period ends, 您的受益人将收到所选期限的剩余款项.
  • 生活 有保证期限. 有了这个选择,你将获得终身收入,并可以为你的受益人选择一个保证期限. In the case that you die before the guaranteed period, your 受益人 will receive payments until that chosen term is over.
  • 系统的取款. 你决定支付金额和你想要支付的月数, depending on how much your account is. You may outlive your payments with this option.
  • 肿块 笔付款. If you decide to take a lump 笔付款, 您需要为年金的投资收益部分缴纳普通所得税.

Consider having a conversation with a 金融专业 帮助你决定年金作为你退休计划的一部分是否有意义. If you'd like to talk about your 退休的目标 了解更多关于年金的知识, 您当地的状态 Farm®代理 也许能帮上忙.

本文中的信息来自与状态 Farm®无关的各种来源(包括状态 Farm Mutual 汽车mobile pp王者电子官网 Company及其子公司和关联公司). While we believe it to be reliable 和 accurate, we do not warrant the accuracy or reliability of the information. 状态 Farm is not responsible for, 和 does not endorse or approve, either implicitly or explicitly, 任何第三方网站的内容,可能从这个页面超链接. The information is not intended to replace manuals, 由制造商提供的说明或信息或合格专业人员的建议, or to affect coverage under any applicable insurance policy. 这些建议并不是所有控制损失措施的完整清单. 状态 Farm makes no guarantees of results from use of this information.

证券 distributed by 状态 Farm® VP Management Corp.

州立农场副总裁管理公司. 是一个独立于状态 Farm®和/或提供银行和pp王者电子官网产品的独立实体吗.

证券, insurance 和 annuity products are not FDIC insured, are not bank guaranteed 和 are subject to investment risk, including possible loss of principal.

的年代&P 500 Index tracks the common stock performance of 500 large U.S. 公司.

Neither 状态 Farm nor its agents provide tax or legal advice.

请就您的具体情况咨询您的税务、法律或投资顾问.

状态 Farm 人寿pp王者电子官网 Company (Not licensed in MA, NY or WI)
状态 Farm 生活 和 Accident Assurance Company (Licensed in NY 和 WI)
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AP2023/11/1145

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