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The payments (deposits) may be made weekly, monthly, quarterly, yearly, or at any other regular interval of time. Annuities may be calculated by mathematical functions known as "annuity functions". An annuity which provides for payments for the remainder of a person's lifetime is a life annuity. An annuity which continues indefinitely is a ...
A deferred annuity that permits allocations to stock or bond funds and for which the account value is not guaranteed to stay above the initial amount invested is called a variable annuity (VA). A new category of deferred annuity, called the fixed indexed annuity (FIA) emerged in 1995 (originally called an Equity-Indexed Annuity). [5]
Benefit. Fixed. Variable. Indexed. Provides income replacement during retirement. X. X. X. Guaranteed minimum rate of return. X. Fixed premiums over a certain period of time
Unlike more familiar financial products, annuities come with their own rules, risks and safety nets — all of which vary depending on where you live and the type of annuity you buy.
Dig deeper: Best tax software to simplifying filing — from free to premium options. Benefits of annuities. Annuities can come with some significant benefits, including: Guaranteed retirement income.
Some annuities also have an additional feature called a Market Value Adjustment or MVA. MVA applies when a withdrawal is made from the annuity in excess of the penalty-free amount. Generally, if interest rates are lower at time of the withdrawal than at the time the policy was purchased, the value of the annuity would increase.