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If you are looking for a tax-smart way to build for a secure retirement or for a steady stream of income in the future, an annuity offers competitive returns on your investment by allowing tax-deferred earnings.

You pay no federal income taxes on your annuity earnings until you withdraw them, usually at retirement when your tax bracket may be lower1. Unlike other savings plans, your money can grow faster than a taxable investment with the same yield. Here is a comparison of a $25,000 investment earning 8% in a taxable and tax-deferred environment, assuming a tax rate of 31%.

Annuities - Cathay Bank

Principal and yield will fluctuate. This example is not intended to reflect the future performance of any investment. Taxes will be due upon withdrawal.

An annuity offers a spectrum of valuable advantages, including:
1.   Tax-deferred benefit? You pay no current taxes on your annuity earnings.
2.   No contribution limits? Unlike IRAs and 401(k) plans, an annuity lets you invest as much as you want.
3.   Income options? Most annuities give you the flexibility to receive a single lump sum, or fixed periodic income that is guaranteed2 for the lifetime of yourself or your designated recipients.
4.   Access to your money? If an unexpected need arises, you may be able to withdraw a portion of your annuity balance each year without surrender charges3.

There are two major types of tax-deferred annuities from which to choose.
Each offers its own distinct advantages:
Fixed Annuities A fixed annuity is a contract in which an insurance company guarantees your principal and locks in a rate of return for a fixed period of time.

Basic benefits:
  • » Safety: Your principal and interest are guaranteed by the issuing insurance company. You are guaranteed a minimum rate of return, usually for 1-3 years.
  • » Tax-deferred earnings: You pay no taxes on your annuity accumulating earnings until you withdraw them1. By deferring taxes, your annuity can grow much faster.
  • » Competitive yields: A predictable return can make your retirement planning
  • » No up-front sales charges: Every dollar you invest goes to work for you3.easier.
Variable Annuities A variable annuity allows you to take advantage of potential market appreciation and provides the potential for higher returns and typically greater investment flexibility as well.

Basic benefits:
  • » Investment choice: You can allocate your investment dollars among several different investment options with various objectives, including growth, income or both.
  • » Tax-deferred exchanges within investment accounts: You pay no current capital gains taxes on exchanges between investment options.
  • » Investment diversification: Your money is spread across a range of securities, spreading out the risk of investing in just one security.
  • » Family protection: Your loved ones are protected by a minimum death benefit in the event of your death.
  • » Professional management: Your money is managed by experienced investment professionals.
  • » No up-front sales charges: Every dollar you invest goes to work for you4.
  • » Variable annuities are sold by prospectus. The prospectus contains additional investor information such as investment objectives, risks, charges and expenses. A prospectus is available from a Financial Consultant. Please read carefully before investing or sending money.

Talk to one of our financial consultants today to learn about the wide variety of annuity selections available to you. They can give you sound, objective guidance and help you build toward the financial security you desire. Consult your tax advisor regarding tax consequences.

1 Annuities are designed to provide income at retirement, so any withdrawals prior to age 59-1/2 may be subject to a 10% federal tax penalty.
2 Guarantees are based on the claims paying ability of the issuer.
3 Policy loans and withdrawals will decrease the cash value and death benefit. Fixed annuities are subject to surrender charges. Please read carefully the annuity contract of the specific annuity you are interested in for details.
4 Variable annuities often carry mortality and expense charges, and administrative fees.

Cathay Wealth Management offers a wide range of investment products and services. All securities and insurance products provided by Cathay Wealth Management are offered by, and all Financial Consultants are registered with, CETERA INVESTMENT SERVICES LLC. CETERA INVESTMENT SERVICES LLC is a registered securities broker/dealer and licensed insurance agency and member of the FINRA and SIPC. Advisory services are offered by Cetera Investment Advisers LLC.  CETERA INVESTMENT SERVICES LLC and  CETERA INVESTMENT ADVISERS LLC  are independent entities and not affiliated with Cathay Bank. Cathay Wealth Management is located at Cathay Bank.

Cathay Investments Not FDIC Insured

Contact a Financial Consultant at:
1-877-722-8429 (7CATHAY)

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Financial Consultants are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.




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