Retirement options other than annuities
[PDF File] Retirement Payment Options: Tiers I/II and TDA Annuitization …
http://5y1.org/file/27285/retirement-payment-options-tiers-i-ii-and-tda-annuitization.pdf
Election Form” (code TD6) at retirement, or (if they elected TDA Deferral status) any time after retirement. Please see the TDA Options at Retirement brochure for additional information. Regardless of what option you choose, a fractional amount of the retirement allowance payment for the month in which you die would be payable. This
[PDF File] Discover the benefits of CREF variable annuities - TIAA
http://5y1.org/file/27285/discover-the-benefits-of-cref-variable-annuities-tiaa.pdf
and “all-in-one” diversified options) to help you pursue your long-term retirement goals. As your needs or investment objectives change—while you’re saving or receiving income in retirement—you can transfer funds among CREF annuities or other TIAA investment options without penalties or fees.
[PDF File] EQUITY-INDEXED ANNUITIES: FUNDAMENTAL CONCEPTS …
http://5y1.org/file/27285/equity-indexed-annuities-fundamental-concepts.pdf
Annuities—a category of relatively new and increasingly popular products offered by some insurers. Annuities in general, and EIAs in particular, provide a way for individuals to accumulate additional assets to help meet their retirement income needs. EIAs and other fixed annuities provide purchasers
[PDF File] TRS Benefits Handbook - Teacher Retirement System of Texas
http://5y1.org/file/27285/trs-benefits-handbook-teacher-retirement-system-of-texas.pdf
statewide teacher retirement system, and in 1937, TRS was officially formed. The system is governed by a nine-member board of trustees appointed by the governor with the approval of the Texas Senate. The TRS retirement plan provides service and disability retirement benefits and death benefits. The plan is
[PDF File] Understanding your TIAA and CREF annuity contracts
http://5y1.org/file/27285/understanding-your-tiaa-and-cref-annuity-contracts.pdf
begins each March 1 for accumulating annuities and January 1 for payout annuities. Interest in excess of the guaranteed amount is not guaranteed for periods other than the period for which it is declared. TIAA Traditional Annuity guaranteed minimum payment amount1 Based on 2.5% interest and a fixed mortality table Transfers and cash withdrawals ...
[PDF File] TRS 4 Retirement Options - Kentucky
http://5y1.org/file/27285/trs-4-retirement-options-kentucky.pdf
Different annuity options can be chosen for the foundational and supplemental benefits. TRS staff is available to provide information about the various retirement options, but the decision must be made by the member. Some options provide a survivor annuity that will provide a lifetime monthly payment to the designated beneficiary after death.
[PDF File] Understanding the Cornell Voluntary Retirement Plan options …
http://5y1.org/file/27285/understanding-the-cornell-voluntary-retirement-plan-options.pdf
Voluntary Retirement Plan options (RA vs SRA) ... accumulating annuities and January 1 for payout annuities. Interest in excess of the guaranteed amount is not guaranteed ... for periods other than the period for which it is declared. TIAA Traditional Annuity guaranteed minimum payment amount. 1: Based on 2.5% interest and a fixed mortality ...
[PDF File] ANNUITIES a guide for consumers - Florida Department of …
http://5y1.org/file/27285/annuities-a-guide-for-consumers-florida-department-of.pdf
an introduction to annuities. kinds of annuities. common annuity product provisions. benefit payment plans. group versus individual annuities. other types of annuities. what to consider before buying an annuity. your rights and responsibilities. protecting your privacy. insurance fraud costs us all! frequently used terms. annuities purchase ...
[PDF File] YOUR RETIREMENT JOURNEY GUIDE - Old Mutual
http://5y1.org/file/27285/your-retirement-journey-guide-old-mutual.pdf
YOUR BASIC ANNUITY OPTIONS At-retirement annuities are products that you purchase with your retirement savings, and which then pay you a specified income every month. Listed below are the different types annuities which would provide a guaranteed income for your retirement. R. 5
[PDF File] Insight: UNDERSTANDING WHY ANNUITIES WORK BETTER …
http://5y1.org/file/27285/insight-understanding-why-annuities-work-better.pdf
BETTER THAN BONDS IN A RETIREMENT INCOME PORTFOLIO IDEAS IN THIS INSIGHT YOU CAN PUT INTO ACTION The goal of this Insight is for retirees and their financial advisors to understand why bonds ... Other types of deferred annuities may not be right on the efficient frontier, but they can also play a role for those who would like to preserve more ...
[PDF File] Shield Level Annuities Comparison Guide - Brighthouse …
http://5y1.org/file/27285/shield-level-annuities-comparison-guide-brighthouse.pdf
Life Stage: Less than 5 years from retirement End-of-Term Options Clients can adjust or maintain their Shield Option(s), which are a combination of term (length of time), index, Shield Rate (level of protection), and rate crediting type. In addition to options available at the end of the term for Shield annuities, clients who
[PDF File] TSP Booklet #05, TSP Annuities, 24 pages - Public Sector …
http://5y1.org/file/27285/tsp-booklet-05-tsp-annuities-24-pages-public-sector.pdf
Thrift Savings Plan Annuities 2 FERS refers to the Federal Employees’ Retirement System, the Foreign Service Pension System, and other equivalent Govern-ment retirement plans. CSRS refers to the Civil Service Retirement System, including CSRS Offset, the Foreign Service Retirement and Disability System, and other equivalent Government ...
[PDF File] Understanding Annuities - Prudential Financial
http://5y1.org/file/27285/understanding-annuities-prudential-financial.pdf
Types of Annuities Annuities can be categorized in two differ-ent ways. First, an annuity may be either immediate or deferred. Second, an annuity may be either variable or fixed. n Immediate Annuities An immediate annuity generally involves a lump-sum payment resulting in a stream of income. You purchase this type of annuity
[PDF File] Can annuities become a bigger contributor to retirement …
http://5y1.org/file/27285/can-annuities-become-a-bigger-contributor-to-retirement.pdf
retirement with ample retirement nest eggs rarely buy annuities to ensure lifetime income. Few employer plans offer income annuity options, and individual annuities remain unpop- ular.
[PDF File] Understanding Variable Annuities - Morgan Stanley
http://5y1.org/file/27285/understanding-variable-annuities-morgan-stanley.pdf
that certain benefit options (e.g., death benefit or living benefit protection options) may limit additional purchase payments. Variable annuities offer features not gener - ally found in other types of investment prod - ucts, including: • Tax-deferred earnings, • Tax-free transfers among a variety of invest - ment options (or ...
[PDF File] Transcript - Selecting a Retirement Benefit Option
http://5y1.org/file/27285/transcript-selecting-a-retirement-benefit-option.pdf
than the other – it just depends on your situation. 00:35 . One consideration may be “Does someone depend on me for financial support?” 00:40 . TRS retirement options provide a monthly annuity payment for the life of the retiree. At the time of retirement, there’s a choice of: standard annuity, a joint and survivor annuity, or ...
[PDF File] Family of annuities - Equitable
http://5y1.org/file/27285/family-of-annuities-equitable.pdf
or loss of death benefit or other benefits will apply. Since IRAs, 401(k)s and other qualified plans are usually tax-deferred, these annuities do not give any extra tax benefits. A prospective owner should choose a qualified annuity based on its other features, benefits, costs and risks. If the owner is considering an NQ
[PDF File] Develop a retirement income strategy - Edward Jones
http://5y1.org/file/27285/develop-a-retirement-income-strategy-edward-jones.pdf
The more you rely on your investments for your income needs, the more sensitive your retirement strategy could be to market fluctuations. Unless you have a lot of flexibility with your expenses, you may consider options such as annuities to help reduce your reliance rate, especially if it is more than 50%. Withdrawal rate The percentage of your
[PDF File] YOUR RETIREMENT OPTIONS - Irish Life
http://5y1.org/file/27285/your-retirement-options-irish-life.pdf
retirement. We recommend you get financial advice about your retirement options before you make any decisions. INTRODUCTION Retiring can be daunting enough without worrying what to do with your pension fund. You have worked hard to save for your retirement, so it’s important that you take some time to consider your options.
[PDF File] Merrill Lynch Retirement Plus® - Transamerica
http://5y1.org/file/27285/merrill-lynch-retirement-plus-transamerica.pdf
when surrendered, it may be worth more or less than total of premium payments. This material gives performance numbers for the Merrill Lynch Retirement Plus®. Variable annuities are long-term, tax deferred vehicles that offer investment options through subaccounts and insurance features such as annuitization and death benefit options.
[PDF File] Evolving Retirement Expectations Among American Workers …
http://5y1.org/file/27285/evolving-retirement-expectations-among-american-workers.pdf
want retirement income other than Social Security to also be guaranteed for life. This is the “annuity paradox,” where studies ... Figure 9 shows GenXers indicating a greater preference for options in their defined contribution plans that help them manage risk or create ... rather than as “annuities” to focus on capability rather than ...
[PDF File] NATIONAL ASSOCIATION FOR FIXED ANNUITIES WHITE …
http://5y1.org/file/27285/national-association-for-fixed-annuities-white.pdf
products involve indexes other than equity indexes (such as bond indexes), and some products are life insurance policies rather than annuities. So, “FIPs” refers to all insurance products for which benefits may vary in relation to a financial market index. ... Just as the public demands a wide range of car models and options, the public ...
[PDF File] Consumer’s Guide to Understanding Annuities - Wisconsin
http://5y1.org/file/27285/consumer-s-guide-to-understanding-annuities-wisconsin.pdf
When considering the purchase of an annuity, it is important to understand the different types of annuities, how annuities work, the contractual features of the . policy, and the benefits, as well as risks, in order to choose the kind of annuity to best fit your retirement needs. Please note: annuities are complex and cannot be fully discussed ...
[PDF File] MAXIMIZE YOUR RETIREMENT INCOME - Transamerica
http://5y1.org/file/27285/maximize-your-retirement-income-transamerica.pdf
MAXIMIZE YOUR RETIREMENT INCOME 3 1 Withdrawals of taxable amounts are subject to ordinary income tax and prior to age 59½ may be subject to a 10% federal premature distribution penalty tax. 2 Premium enhancements, if applicable, do not apply to the Withdrawal Base when the rider is added in the first policy year. 3 For federal tax purposes, married same sex …
[PDF File] Annuity Distribution Form Tips - Transamerica
http://5y1.org/file/27285/annuity-distribution-form-tips-transamerica.pdf
DISTRIBUTION OPTIONS SECTION This section must be completed. Choose only one of the following options: Interest Only: Choose this option for fixed annuities only, if you would like to withdraw interest only. Surrender Charge-Free Amount: Choose this option if you would like to withdraw the amount available from the annuity without surrender charge.
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