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If you are looking for a tax-smart way to build for retirement or for a steady stream of income in the future, an annuity offers potentially 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 is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. 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 Investment 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 income2 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  without surrender charges1,2.
 

There are two major types of tax-deferred annuities from which to choose.
Each offers its own distinct advantages:
Variable Annuities A variable annuity allows you to take advantage of  the potential for higher returns and typically greater investment flexibility as well.

Basic Advantages:
  • 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 you1,2.
  • Investors should consider the investment objectives, risks, charges and expenses of the variable insurance contract and sub-accounts carefully before investing. The prospectus and, if available, the summary prospectus contains this and other information about the variable insurance contract and underlying investment options. You can obtain prospectuses and summary prospectuses from your financial representative. Read prospectuses and summary prospectuses carefully before investing. 
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 Advantages:
  • Safety: Your principal and interest are guaranteed by the issuing insurance company.
  • Tax-deferred earnings: You pay no taxes on your annuity accumulating earnings until you withdraw them2. By deferring taxes, your annuity may grow.
  • Competitive yields: A predictable return may make your retirement planning easier.
  • No up-front sales charges: Every dollar you invest goes to work for you1,2.

Talk to one of our financial advisors today to learn about the wide variety of annuity selections available to you.  Whether you are seeking ways to meet your short-term or long-term financial goals, there is a variety of other investment products including equities, bonds and short-term money market instruments that may help you work toward building assets and generating income. 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. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal.
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. Also, variable annuities are subject to market risk and may lose value.



Cathay Wealth Management offers a wide range of investment products and services. Securities offered through LPL Financial, member FINRASIPC. Insurance products offered through LPL Financial or its licensed affiliates. Cathay Bank and Cathay Wealth Management are not registered broker/dealers and are not affiliated with LPL Financial. Investment Advisory Services offered through LPL Financial, a Registered Investment Advisor.


Check the background of investment professionals associated with this site on FINRA's BrokerCheck.
 

 

 
Cathay Investments Not FDIC Insured

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

The services offered within this investment site are available exclusively through our U.S. registered representatives and are available for U.S. residents only. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.


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