ANNUITIES
An annuity can be a good way to accumulate and manage assets for retirement. They earn a competitive return, and you don’t pay taxes on any earnings until you make a withdrawal or begin receiving an annuity income. This means your money works harder for you—compounding faster than it could in a similar, taxable investment. Best of all, you can still contribute even after you’ve maxed out on IRAs and retirement plans.
Today’s annuities offer many options not available in the past, such as minimum retirement income guarantees* and access to your funds, guaranteed income for life options, and a full range of investment choices for potential higher returns.
Fixed Annuity
If you're a conservative investor, fixed annuities provide the security of knowing your money is earning a fixed, guaranteed* rate of return.
Variable Annuity
If you're willing to accept a higher level of risk for potentially higher returns, variable annuities offer you the earnings potential of subaccounts invested in stocks, bonds, and other market sectors.
Variable annuities are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your Financial Advisor. Read it carefully before you invest. Annuities are available through insurance subsidiaries of Wachovia Corporation and other underwriters. Not available in all states. Variable annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk.
Retirement Income Annuity
Retirement income annuities provide a stream of income for a specified period of time that you determine.
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