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Página principalA popular type of annuity that provides guaranteed lifetime income is a variable annuity with a lifetime income benefit. Compare Annuities.
Variable annuities allow you to stay invested in the markets while planning for retirement income either immediately or in the future.
It may be an appropriate annuity for you if:
Your money is placed in a variety of investment options called subaccounts, which may include stocks, bonds, and other investments, to give you greater control. You have the ability to add additional features (for an added cost) that can provide income now or later. Death benefits are also available at an additional cost for legacy planning.
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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.
Variable annuities are long-term investments appropriate for retirement funding and are subject to market fluctuations and investment risk.
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.
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.
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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If you withdraw money from an annuity contract or surrender the contract within a certain period of time after investing, the insurance company may assess a contingent deferred sales charge (CDSC). Usually, the CDSC is a percentage of the purchase payment withdrawn, and it declines gradually over the CDSC period.
For example, a seven year CDSC may decline over the first seven years of your contract: 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%.
The underlying funds in a variable annuity are invested in subaccounts, which are professionally managed investment options that invest in a variety of markets, such as stock, bonds or money markets.
NOTE: Subaccounts can be invested in more than just stock and/or bond markets, such as money market funds.
The investment options may provide you with potentially more income than immediate fixed annuities, but your income payments will be subject to market fluctuation.
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