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Annuities Reviews

Tax Shelter Annuity








A Brief Overview Of The Tax Shelter Annuity


In the past, planning for your retirement meant stuffing you bank account or the jars in your basement with as much cash as possible. However, even with this retirement strategy, the likelihood that a person would have to cut back on expenses was still very high. Retirement planning has come a long way and now the real enemy to any comprehensive retirement plan these days is taxes.

Thankfully, with the advent of the Tax Shelter Annuity, a person can save wisely and maximize their savings returns so that when retirement comes, they will have a steady and solid stream of income to support or perhaps improve their quality of life.

When it comes to choosing a Tax Shelter Annuity for your retirement needs, there are many different options. Annuities with fixed or variable interest rates, deferred payment annuities and many other annuities are all viable options. Understanding the different types annuities will help you better chose the right annuity for you and you retirement needs.

If you are unaware of the many annuities or retirement planning is new to you, perhaps the best place to start would be a standard 401k or a 403b annuity. These annuities are often offered by an employer. The 401k is a standard annuity while a 403b is the standard for certain non-profit and educational institutions. While there are several different annuities available, most work under the same premise.

Contributions to this annuity is made directly from an employees pay and as a benefit, these payments are non-taxable. However, most annuities have a maximum allowance for yearly contributions. In many cases, however, there is a make allowance that will permit a person to pay more yearly to compensate for the years that did not contribute the maximum.

Smart and prior planning when it comes to retirement is vital to ensuring that when retirement comes you are not short on income. Taxes can take a big chunk out of money over your lifetime; it is nice to have an option by which you can maximize the saving of your money with a Tax Shelter Annuity.

Take the time to find the right annuity for you and you will be prepared for retirement without having to pinch pennies or work a part-time job to make ends meet.

 


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