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Página principalPortfolio diversification is designed to help you get the benefits of investing while potentially limiting your risk exposure to a specific investment.
You can diversify your portfolio and potentially reduce your risk by strategically allocating your assets across different types of investments — such as stocks, bonds, and cash. You can also invest in different sizes of companies and industries within these categories.
Investing a portion of your retirement savings in an annuity adds an insurance element that allows you to build a lifetime income stream. While life insurance provides for your family if you die too young, an annuity can help ensure you have income if you outlive your investments.
By including guaranteed lifetime income with an annuity as part of your retirement portfolio, you are adding a guaranteed component to your overall holdings.
The combination of guaranteed lifetime income with the rest of your investment portfolio can help you generate the retirement income you need while reducing the risk of running out of income due to poor market performance.
Most lifetime income annuities sold by our firm represent less than 25% of our clients’ retirement portfolios. Some clients also choose to purchase a series of smaller lifetime income annuities over time, which allows them to lock in a variety of features and payout rates.
Contact a Wells Fargo retirement professional for help deciding.
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Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.
Guarantees are based on the claims-paying ability of the issuing insurance company. Guarantees apply to minimum income from an annuity; they do not guarantee an investment return or the safety of the underlying investment choices.
Each annuity feature may incur additional cost.
Withdrawals of earnings are subject to ordinary income tax. In addition, a federal 10% penalty may apply to withdrawals taken prior to age 59½ and surrender charges generally apply.
Variable annuities are long-term investments appropriate for retirement funding and are subject to market fluctuations and investment risk.
Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.
Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.
Retirement Professionals are registered representatives of and offer brokerage products through Wells Fargo Clearing Services, LLC (WFCS). Discussions with Retirement Professionals may lead to a referral to affiliates including Wells Fargo Bank, N.A. WFCS and its associates may receive a financial or other benefit for this referral. Wells Fargo Bank, N.A. is a banking affiliate of Wells Fargo & Company.
Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
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