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Página principalAn annuity is a contract between you and an insurance company that provides certain income or investment guarantees to fit your individual needs.
Depending on your needs, risk tolerance, and time horizon, an annuity can be an effective and important part of your overall retirement strategy by providing certain guarantees to help you reach your goals.
If you’re in or nearing retirement and are looking to convert your assets into regular income for life, you may want to consider an annuity. Certain types of annuities can:
Popular types of annuities that offer lifetime income include income annuities, fixed annuities, fixed indexed annuities, and variable annuities.
If you’re preparing for retirement and your primary objective is building your savings, an annuity may fit your needs. Certain types of annuities can:
Popular types of annuities that can help you save for retirement include: variable annuities, indexed variable annuities, fixed indexed annuities and fixed annuities.
Wells Fargo offers a wide range of annuities to help you take advantage of retirement income and savings opportunities. We can help you understand how different types of annuities work — including their features, benefits, fees, and potential investment risks.
We are here to help you decide which annuity may be right for your individual needs. To get started, contact a Wells Fargo retirement professional today.
Call us 1-866-246-5056
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.
Variable annuities are long-term investments appropriate for retirement funding and are subject to market fluctuations and investment risk.
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.
Fixed annuities may have a higher initial interest rate, which is guaranteed for a limited time period only. At the end of the guarantee period, the contract may renew at a lower rate.
Unlike variable annuities, fixed indexed annuities are typically structured so that they are not securities registered with the SEC. Nor are the sales in indexed annuities regulated by the SEC or FINRA Regulation, Inc.
Indexed Variable Annuities (IVAs) combine the long-term growth potential of variable annuities with the downside protection features of fixed indexed annuities. They feature a capped upside that's usually higher than indexed annuities in exchange for the client taking on some, but not all of the downside risk. Although you may experience some guarantees against market loss, these products are still considered variable products 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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