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Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.

Tax-deferred retirement account withdrawals before age 59½ generally trigger a 10% federal tax penalty.

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.

Living benefits can help protect variable annuity owners from running out of money in retirement.

A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life insurance policy for a new one.

401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

One attractive feature of an annuity is tax-deferral but qualified and non-qualified annuities are taxed differently.

An indexed annuity may provide some upside potential and downside protection.

Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.