你应该什么时候买年金?

年金 are designed to generate guaranteed lifetime income.

When is the best time and what is the best age to buy an 年金? That depends on your individual circumstances and preferences. It also depends on the specific 年金 age requirements, which are determined by the provider.

即时年金

年金 that provide a fixed monthly income payment 立即ly after purchase are known as 即时年金. The amount doesn’t change, and you can’t outlive the payments. 这是有保障的收入. These annuities are typically purchased in a single lump sum when you want to convert assets into an income stream right away — hence the term 立即. They may also be referred to as single premium 即时年金.

延期支付年金

延期支付年金 can generate an income stream at some point in the future. These can be purchased with a lump sum or with a series of payments over time. One benefit of deferred annuities is that the value of your 年金 may grow over time before payout begins.

递延年金也提供税收优惠. Generally, interest is not subject to federal income tax until the money is paid out. This allows the 年金 accumulation value to grow larger than if interest were taxed as it is earned.

正确的买入时机

You can buy an 年金 as young as 18 and well into your 退休 years. Buying an 年金 at 50 years old versus 30 is a personal decision based on your age, 预期寿命, 财务状况和目标. 财务顾问建议 开始支付年金 年龄在70到75岁之间.

即时年金: These annuities make more sense to purchase when you are near or at 退休 因为支付通常马上开始. Single premium 即时年金 begin payout as soon as purchase is made.

You could buy an 年金 closer to 退休 after allowing your investments to grow in a brokerage account or qualified 退休 plan. Then, buying an 年金 can be part of the 退休 income plan you develop before 退休.

延期支付年金: 递延年金, 买得越早, 而且你越年轻, the more time your premiums can benefit from tax-deferred growth. An early purchase may be especially attractive if you have already contributed the maximum amount to other tax-advantaged accounts like an IRA or 401k. Deferred income annuities allow you to select a future date when you want payments to begin. They can work in combination with your overall investment portfolio.

一旦你买了年金, you have limited access to your money — it belongs to the insurance company, and you could incur costly charges and fees if you attempt to withdraw the funds early. Another disadvantage of an 年金 is that your money might not grow as quickly as it could have if it had been invested in other options over the long term.

The right time and the best age to buy an 年金 will ultimately depend on your needs and your situation. 但考虑永远不会太迟 增加年金 你的退休收入计划. 决定什么时候 年金 对你来说是有意义的， 联系当地的州立农场^® 代理.