Investment Only Annuities | Investment-Only Variable Annuities | Low Fees

 

INVESTMENT ONLY ANNUITIES:

Are You Paying To Much In Fees For Your Current Annuity?
Reach Your Retirement Goals with an best investment-only variable annuity from Investment Only Annuities Annuities designed for income, saving, investing retirement.

Why You Shoud Choose Us:

Service: IOVA employees are committed to providing superior customer service, second to none, every day. We are headquartered in Sacramento, California, and do not outsource service, so if you need to call us you will talk to an onsite employee promptly.

Integrity: Honesty, fairness and truthfulness have always been central to the products we design, business we practice and services we offer. We are always focused on providing innovative solutions with our contract owner's retirement in mind.

Safety: Through sound financial management and prudent investments, our products provide sound sleep at night for contract owners, so they can trust their principal is protected and their income is guaranteed for life.

Cut costs and reduce the complexity of your Variable Annuity:

An investment only annuity is a financial product that allows an individual to make regular or lump-sum payments into an account, with the funds then invested to potentially grow over time. The individual can then withdraw funds from the account at a later date, typically after reaching a certain age or upon retirement. Unlike traditional annuities, which also provide a guaranteed stream of income, an investment only annuity does not provide a guaranteed return or income stream. Instead, the performance of the investments within the annuity will determine the amount of money the individual will receive when they withdraw funds.

Annuities Are Tax-Deferred:

Because an annuity is tax-deferred, you won’t pay taxes until you withdraw your money. Deferred annuities take advantage of this situation by allowing your savings to grow until you start receiving income distributions. In the process, that growth can potentially experience growth of its own, with the gains compounding over time.

The opportunity to achieve tax-deferred growth can make a substantial difference in your income in retirement. For example, a $100,000 purchase payment compounded at a 5% rate annually for 20 years would grow to $265,330. If you withdrew that money in a lump sum and paid a 32% tax rate on it, you would come out with $212,424. By comparison, if you put $100,000 into a taxable investment account, you would end up with only $149,765 in that time.

Get Stable Growth as You’re Approaching Retirement:
IOA can aid you in preparing for retirement. They create a future stream of income. Low cost annuities can help you save more for retirement.

Living in Retirement:
Investment Only Annuities can offer peace of mind with a source of income that will last as long as you want, or as long as you live.

What are Investment-Only Annuities?
Investment-Only Annuities (IOVAs) provide a low-cost, tax-deferred solution in addition to your 401(k) or IRA investments. The investments in the Investment-Only Annuities (IOAs) are diversified, which means that your funds are invested in uncorrelated asset classes, lowering your overall investment risk.

Why should you choose Investment-Only Annuities?
Unlike traditional variable annuities, the IOVA’s charge lower fees as IOVA’s do not involve additional benefits, such as death benefits or guaranteed minimum withdrawal benefits. If you have already reached the maximum investment limit of investment in 401(k) or other retirement accounts, you can choose IOVAs to further top up your tax-deferred retirement savings. Investing in IOVAs is particularly useful if:

You fall in a higher tax bracket but expect to be in a lower income tax bracket at the time of your retirement.
You want to increase your investments in tax-deferred accounts along with your 401(k) and IRA accounts.
You want to have diversified investments at a lower cost than traditional variable annuities.
You want to leave a legacy for your loved ones.
You want to maximize the benefit of tax deferrals, particularly during the last 10 years of your employment before retirement.
You have a high proportion of tax-inefficient investments.

FOLLOW US:
Want the latest news on the annuity market and retirement planning? Follow Investment-Only Annuities on Facebook, Twitter, Instagram or LinkedIn. Stay updated on annuities, share feedback and learn more about your annuity options.

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ADDRESS: 500 Capitol Mall, Suite 2350, Sacramento, CA 95814, USA
EMAIL: info@investmentonlyannuities.com
PHONE: 1-888-694-4015

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