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The following article was published in our article directory on September 3, 2013.
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Reasons for Retirement Annuity Investment

Article Category: Advice

Author Name: Jim Lee

Human beings grow old. That is something certain. With old age normally comes the reduction of both mental and physical capabilities. Eventually, you won't able to work. Well, you likely don't want to work all your life. But how can you assure you have money even after you retire?

Retirement annuity is one of the options open to you in preparation for retirement. It is an insurance product that provides tax-free money growth for the policyholder. This is designed as a supplement to the holder's retirement income.

Here are some reasons why retirement annuity is a viable option for you:
This type of insurance will enable you to save up money during your working years for you to have enough income to maintain the same lifestyle after you retire.

You can fulfill savings gaps with retirement annuity. Savings gaps happen because your pensionable salary may only be about 70% of the total of your salary benefits. Thus, your pension would only be 75% of that 70%. The investment can fill in these gaps so you can get the full value of your retirement.

The earnings your investment receives with a retirement annuity are tax-free. There is no need for you to pay capital gains tax or income tax. In the long run, the investment growth you get would be higher as long as the earnings remain in the policy. Usually, you will get a better after-tax return in comparison to different types of savings accounts.

Compound growth is another good reason. Since you are saving in a long-term investment, your money will start working for you as your earnings from the interest pile up. This further ensures you will have a steady and sufficient retirement income.

Another benefit from long-term investment is that, even with the constant flux of markets, your continuous contribution will balance out the distribution. There is less for you to worry about the volatile nature of the investment market.

You will be not be allowed to take from the savings in an insurance policy like this until you reach a certain age. That might seem as a disadvantage, but it actually helps you with the discipline of your savings. You won't be tempted to reduce your savings.

You can support your dependents since the insurance can provide for them in case you die before receiving all the funds. This is especially great if you purchase a burial insurance with the policy. The cash benefit from this kind of policy is outside your estate. Thus, if you die, the benefit is given to your dependents instead of your creditors.

There is flexibility in the growth of your savings. Pension funds have a fixed percentage from your salary that is required as a contribution. In contrast, you can slowly increase your contribution over time in an annuity arrangement. You may also opt to invest a part of your bonus annually as a lump sum contribution.

With a retirement annuity, you have the freedom to choose the underlying investment you want to embark on. Thus, you are in control of how and where your savings are invested and, consequently, how they grow.

Keywords: indexed universal life insurance, tax free retirement income

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