We can help you plan a successful retirement built around your unique goals. Adding an annuity to your plan may help provide protected growth and a guaranteed lifetime income stream so you can retire with confidence.
Already have an annuity? Schedule a meeting with your J.P. Morgan Private Client Advisor to manage your annuities and discuss any questions.
An annuity is a long-term, tax-deferred investment that can provide different benefits, such as a steady income stream.
Anyone who is generally concerned about outliving their money during retirement, about the impact of market declines on their retirement income and who are looking to preserve their retirement savings should consider an annuity.
Investing can be unpredictable, especially as we near retirement. Annuities can evolve with you and your goals, and help secure a lifetime income stream.
Get one-on-one guidance with a dedicated advisor. Your J.P. Morgan Private Client Advisor will get to know you, your family and your goals to help you design a retirement strategy.
Explore rolling over your 401(k) from a former employer into a J.P. Morgan IRA.
Wherever you are in your retirement planning journey, there’s always a best next step. Explore our retirement guides and get a sense of what those steps might be.
Use this calculator to estimate different annuity payouts and see how it can impact your retirement strategy.
What are the different types of annuities?
There are two main types of annuities that can help you prepare for retirement: Fixed rate annuities and variable annuities. Fixed rate annuities typically provide a consistent, guaranteed rate of return over the duration of the agreement. Variable annuities provide a rate of return that can fluctuate with the market.
How do annuities work?
An annuity acts as a contract between you and the insurance company, where you invest your principal, and in exchange, the insurance company provides you certain guarantees, such as lifetime income or principal protection. Depending on your goals and the type of annuity you select, you can choose an income payment schedule that works for you.
How are annuities taxed?
Annuities grow on a tax-deferred basis. When the contract owner withdraws from the account, the amount is generally taxed at your ordinary income tax rate.
Is an annuity a retirement account?
While annuities are not retirement accounts, they are often used as part of an overall investment strategy to complement your retirement accounts.
What is the difference between immediate and deferred annuities?
An immediate annuity is designed to provide income now and is best suited for investors who are income-oriented. A deferred annuity offers income starting at a future date you choose. Before you start receiving income payments, the value of your annuity can accumulate on a tax-deferred basis, potentially generating additional income to secure your future.
Estate planning may not be at the top of your mind during times of market volatility. However, careful consideration of the opportunities presented during a market decline, especially when interest rates are low, may reduce potential estate taxes and help fulfill estate planning goals.
Grantor Retained Annuity Trusts (GRATs) can help provide an efficient way to transfer wealth with little or no gift tax liability.
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Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.
JPMorgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your personal tax, legal and accounting advisors for advice before engaging in any transaction.
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