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Protecting your retirement

A look at what annuities are, what they do, and how they could help you.
by

Nationwide

on 12 October 2015

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Transcript of Protecting your retirement

PROTECTING YOUR RETIREMENT
WELCOME
An annuity is a contract you buy from an insurance company for retirement.
You put money in an annuity.
You can turn
that money into income payments right away.
You can also leave the money alone for a while.
I worry about running out of money.
An annuity is the only product that can provide retirement income for as long as you live.
I want to feel confident about the money I’ve saved for retirement.
Annuities have different types of guarantees.
Others
guarantee the money you’ve
put in will never go down in
value.
Many annuities are customizable.
Some offer a guaranteed interest rate.
I also want to minimize taxes.
Annuities are tax deferred.
You don’t pay taxes until you take money out.
Can I get access to my money if I need it?
Most annuities give you
access to your money.

If you’re not yet 59½, there may be an additional tax penalty.
Your death benefit and contract value will be reduced.
You may have to pay fees.
Annuities may also give you a way to provide for your family after you’re gone.
Making sure Cynthia is taken care of is important to me.
Most annuities allow you to pass money on to your family or a favorite cause.
These are purchased with a lump sum of money, and income starts right away.
Guaranteed payments can supplement other retirement income sources, like Social Security.
Fixed
annuities
Your money and the annuity’s earnings are guaranteed.
Professionally managed investments may go up or down.
Most variable annuities offer a variety of investments.
They can be customized even more with riders.
Variable annuities: who could be a good fit?
Income
annuities
Variable
annuities
Fixed annuities: who could be a good fit?
Income annuities: who could be a good fit?
Visit nationwide.com/annuities
Variable products are sold by prospectus. Please contact the issuing insurance company for a copy of the prospectus.
Nationwide Investment Services Corporation, member FINRA.
Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide
AAM-0241AO (06/15)
Guarantees are subject to the claims-paying ability of the issuing insurance company.
Generally, riders are available for an additional cost.
Investing involves market risk, including the possible loss of principal.
Features
Tax deferral
Access to your money
Death benefits for loved ones*
Potential growth of your money

Income you can’t outlive*
Guaranteed interest rate
Tax deferral and compounding
These may be available through a rider you buy for an additional cost, and restrictions and limitations may apply.
*



Fixed annuities
Features
Tax deferral
Access to your money
Death benefits for loved ones*
Potential growth of your money

Income you can’t outlive*
Guaranteed interest rate
Tax deferral and compounding
Cost of living adjustments available
These may be available through a rider you buy for an additional cost, and restrictions and limitations may apply.
*






Fixed annuities
Income annuities

Features
Tax deferral
Access to your money
Death benefits for loved ones*
Potential growth of your money

Income you can’t outlive*
Guaranteed interest rate
Tax deferral and compounding
Cost of living adjustments available
Tax deferral and compounding
Varies based on investments
These may be available through a rider you buy for an additional cost, and restrictions and limitations may apply.
*










Fixed annuities
Income annuities
Variable annuities

Initial investment
5% annual rate of return
25% income tax rate
$100,000
After 30 years, the
taxable investment
grows to:
After 30 years, if a full
distribution is taken, the
value after taxes will be:
$301,747
$349,146
Income annuities
Variable annuities
Variable annuities
Full transcript