Info Type
View Option
Sort by Keyword
Sort by Category
- Useful info
- Signature service
- Discount
- Satisfaction guaranteed
- Complimentary
- First-time
- Free trial
- Entertainment
- Renewal
- Event
- Press Release
- Problem solution
- Wanted
- Introduction
- Other
Sort by Industry
- Restaurant / Gourmet
- Gift / Shopping
- Fashion / Apparel
- Entertainment / Hobby
- Travel / Leisure
- Transporation
- Life / Housing
- Education / Lesson
- Ceremonial Occasion
- Beauty / Health
- Medical
- Government / Public
- Computer / Electronics
- Auto / Motorcycle
- Finance / Insurance
- Professional
- Corporation / Manufacture
- Media
- Religion
- Nightlife
- Group / Organization
Back
Finance / Insurance / Useful info
アニュイティー (個人年金:Annuity) について
個人年金に付きまして、下記、英文にてご案内させて頂きます。
色々なプランがありますので、詳細は、お問い合わせください。
ANNUITY: A REVERSE BET!
In a way, annuities look like a reverse life insurance policy.
The primary difference between an annuity and life insurance is when payment is made. Annuities pay a set amount of money monthly, quarterly, or annually to meet future financial needs, usually in retirement. Life insurance pays the value of the policy at the time of death.
With life insurance, you make a bet with the life insurance company. You make payments to the policy, for example, $1,000 per year, and if you die too soon, the company will pay the death benefit to your beneficiary. In this case, your family wins; the company loses.
With an annuity, you give them a lump sum or accumulated premium, for example, $500,000, and bet that you'll live a long time.
If you live long enough, the company keeps paying you monthly. In that case, the company may end up paying you more than what you put into the annuity; thus, you win. But if you die too soon, the company wins
because they will stop payment or only pay up to a certain period.
Thus, annuities are a good solution for people who worry that they may live too long and run out of money. Annuities can help them feel confident about their financial future.
Annuities offer different interest strategies.
♦ Fixed Annuity: Guarantees a fixed rate of return
♦ Fixed Index Annuity: Interest is credited based on the movement of a market index, such as the S&P 500. The index normally has a minimum floor and a maximum cap, for example 0% to 8%. Thus, if the S&P 500 goes higher than 8%, it will credit max 8%. And if the index has a loss, it will hit a 0% floor; there is no loss in the account:--
ln the U.S., unlike IRAs and 401 (k)s, annuities have no limits on contribution. You can put in as much as you want.
Also, due to lifetime payouts, it is a vehicle of choice for many people to rollover or transfer their 401 (k) and IRA into annuities, so they can get the advantage of the payout phase.
* The guarantees of fixed annuity contracts are contingent on the claims-paying ability of the issuing insurance company. Annuity withdrawals are taxed as ordinary income and may be subject to a 10% federal penalty if made prior to age 591⁄2. Surrender charges may also apply during the policy's early years.
** Index Annuities are typically linked to a major stock market index, such as the Standard & Poor's Index of 500 common stocks, but do not represent direct participation in the stock market. Past performance of the S&P 500, or any other index that these types of annuities may be linked to, does not guarantee future results. In the event that any given index has a negative return, the issuer of the index annuity may credit a minimum interest rate guarantee, which is generally around 3%, or no interest may be credited. This will depend on the terms of the contract that can vary greatly from one contract to the next. You should also note that in some fixed index annuity contracts, the stated participation rate may not be credited at all if the annuity is not held to the contract term which may be several years.
*** Generally, principal is guaranteed by the issuing insurer when the annuity is held to the end of the guarantee period. Guarantees are based on the claims paying ability of the issuing insurance company. Participation rates, caps or other components of the formula used to calculate credited rates vary and can change. Withdrawals prior to the end of the guarantee period may be subject to market value adjustments; therefore, you may receive less than you originally invested. Withdrawals during the first several years are subject to surrender charges and withdrawals prior to age 591⁄2 may be subject to a
10% federal tax penalty.
0**Fixed index annuities can be complicated. Before you purchase an equity index annuity, read the contract and any sales literature and be sure that you completely understand all of the terms and provisions of any fixed index annuity you are considering.
We are a licensed Hawaii Real Estate Broker ・ and handle the buying and selling of real estate in the state of Hawaii, including ・ individual life insurance ) annuities ・ long-term care insurance ・ 401K, IRA rollovers, and more. In addition, we provide individual and family oriented guidance on the most beneficial ways to apply for Social ・ Security benefits. (NARSSA Member : National Association of Registered Social Security Analysts )
- Posted : 2024/10/04
- Published : 2024/10/04
- Changed : 2024/10/04
- Total View : 2 persons
- Find local business with Town Guide
-
- Hawaii ・ Very popular tonkatsu restauran...
-
! We also accept take-out ☆ From now on, you can enjoy freshly prepared tonkatsu without waiting ! Tonkatsu Tamato has been in business in Sapporo, Hokkaido for 66 years. This year marks 66 years ...
+1 (808) 922-1212Tonkatsu Tamafuji
-
- Kualoa ・ Ranch is a wilderness activity ...
-
Kualoa ・ Ranch is an activity ・ center surrounded by nature, located in the northeast of Hawaii ・ Oahu. About 10 different activities and marine sports are available as optional tours, including horse...
+1 (808) 237-7321Kualoa Ranch Hawaii
-
- We have been in business for more than 1...
-
Restaurant Inaba has been serving authentic Japanese food in Hawaii for 15 years. If you miss the taste of Japan in Hawaii, such as Soba, Tempura, Udon, Sushi, etc., please come to our restaurant. We ...
+1 (808) 953-2070Restaurant i-naba
-
- And You Creations is a local tour compan...
-
AYC is an expert on the best ways to enjoy the island of Oahu. We have been serving Japanese customers since 1989, so we are familiar with the needs and concerns of our Japanese customers. Please feel...
+1 (808) 696-4414And You Creations
-
- Get a fresh and vibrant look from the ey...
-
Let's have confidence in your face with art make-up. We coordinate your true face with such techniques that you will not even notice it is art makeup. We instantly assess the image of your face and br...
+1 (808) 386-4914Artmake Yumi
-
- We are an accounting firm in the United ...
-
Tax support between Japan and the U.S. ! Speedy procedures and aftercare ! Japanese ・ English either way.
+1 (877) 827-1040Todd's Accounting Services / Mayumi Ozaki (尾崎会計事務所)
-
- Top quality home care services by Japane...
-
We have been providing home care services to Japanese American seniors in the Los Angeles area since 2004, and will now begin providing home care services in Hawaii. In the United States, non-medical ...
+1 (808) 466-3481Holly Services
-
- Cafe ! offers a very popular deli bento ...
-
Cafe ! Delicatessen lunch boxes made with fresh vegetables from Hawaii are very popular
We use a lot of vegetables grown in Hawaii and offer delicious dishes freshly prepared every day. Vegan... +1 (808) 737-2840KAIMANA FARM CAFE
-
- 0 minutes waiting time ! Car rental in H...
-
0 minutes waiting time ! Car rental in Hawaii run by Japanese. We will come to the designated location at the designated time for return, so no extra time is required. To ensure that everyone has a pl...
+1 (808) 387-2769STAR Rent A Car / スターレンタカー
-
- Pearl Harbor, the Pacific Aviation Museu...
-
The Pacific Aviation Museum Pearl Harbor is located on historic Ford Island, where the bombs were dropped during the attack on Pearl Harbor on December 7, 1941. The museum recounts the events of that...
(808) 441-1000Pacific Aviation Museum Pearl Harbor
-
- M&A professional company in Hawaii. We a...
-
Why don't you sell your store or company in Hawaii ? We are M&A brokerage firm specializing in Hawaii. Sell Your Hawaii Business ・ Business Transfer ・ If you are thinking about business succession, pl...
+81-90-7968-4802RIGHT INTERNATIONAL USA INC
-
- Passing through the tunnel, you will be ...
-
Plantation Village is a historical museum that recreates the plantation era. The life of immigrants at that time is reproduced for each ethnic group. Please come and visit.
+1 (808) 677-0110Hawaii's Plantation Village
-
- DV2026 Green Card Lottery $ 40 per perso...
-
Our services include application for permanent residence by marriage, bringing in family members, removal of conditions, renewal, name change, citizenship application, overseas travel permit, DV Lotte...
+1 (424) 250-0807All-Star Immigration Services, LLC
-
- Wedding ・ We are a dedicated Flower Desi...
-
Tokyo ・ Experienced designers with 25 years of wedding floral experience in Hawaii will work with each and every one of our clients from the initial meeting to the day of decoration. We will create a...
+1 (808) 638-1876MAnYU Flowers Inc
-
- ハワイ⇔日本間のお引越し、海外航空便、eコマース・通販貨物なら、日通にお任せくだ...
-
ハワイ⇔日本間のお引越し、海外航空便、eコマース・通販貨物なら、日通にお任せください!
+1 (808) 833-0202NIPPON EXPRESS U.S.A., INC. / Honolulu / Hawaii Office