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 : 2024/06/03
- Published : 2024/06/03
- Changed : 2024/06/03
- Total View : 113 persons
- Find local business with Town Guide
-
- ALOHA CAFÉ Pineapple", a restaurant with...
-
How about morning at our restaurant where you can enjoy Hawaiian cuisine close to the beach ? Malasadas and acai bowls are available. Take-out is also available, so we recommend eating at the beach or...
+1 (808) 739-1630ALOHA CAFE PINEAPPLE
-
- We are a music school where anyone from ...
-
We are a music school where anyone from babies to seniors can enjoy attending. We teach from beginner to advanced level. Please contact us first. ~ Music Classes ~ Piano Violin Karaoke Voice ( S...
+1 (808) 741-9088Renee's Music Studio
-
- A Japanese-affiliated real estate agency...
-
Located in the heart of Waikiki, Lei Hawaii Real Estate is a real estate agency that offers properties that are uniquely Hawaiian. As a Japanese-affiliated real estate agency, we maintain a thorough c...
+1 (808) 922-3008レイハワイ不動産 | Lei Hawaii Realty
-
- That's right - ! Let's go beach cleaning...
-
Honolulu Umi Sakura will do a beach clean once a month ! After the beach clean, there will be a fun BBQ. You will be able to mingle with many different people and make your Hawaii life more enjoyable...
Honolulu UMISAKURA
-
- If you are looking for work in Hawaii, p...
-
Hawaii Road is the only Japanese-affiliated human resources company that is an authorized agent with an "Employment License (EMA452, EMP453)" from the State of Hawaii. We can introduce you to employm...
+1 (808) 227-2852HAWAII ROAD
-
- From commercial remodels in Hawaii to ki...
-
Kitchen ・ Bathroom ・ Washroom ・ Toilet, etc., as well as living room ・ Window ・ Exterior and other home remodel ( Remodeling ) We can propose and install plans. ●Individuals If the kitchen or showe...
+1 (808) 799-0666Top Builder Construction, Inc.
-
- [First time in Hawaii ! Korea's NO.1 fri...
-
! Korea's No.1 Fried Chicken Restaurant in Hawaii = Best of the Best Quality Fried Chicken ! Chicken Wings/Whole Chicken
Sandwiches Tteokbokki Plate Lunch +1 (808) 888-3532bb.q CHICKEN - Hawaii
-
- Cafe & Bar where bagel sandwiches and or...
-
Cafe & Bar where bagel sandwiches and original coffee are popular, and where you can also drink alcohol at night. Japanese staff is always available, so you don't have to worry even if you are not con...
+1 (808) 492-1470KAKAAKO CAFE
-
- Okihime Cleaning, Hawaii's premier clean...
-
If you are concerned about the quality of cleaning for your children and pets ! Leave the cleaning to Okihime Cleaning ! Bakeren ・ General residential ・ We clean commercial properties and more ! We...
+1 (808) 498-6870Okihime House Cleaning
-
- Since 1987, we have been providing a ful...
-
MAP ・ Vision has been in the real estate management ・ brokerage business since 1987, providing a wide range of consistent services from buying ・ selling to managing ・ renting Hawaii real estate to eve...
+1 (808) 971-0101Map Vision, Inc.
-
- Wi-Fi Router, Hawaii's Lowest Price ! Lo...
-
Enjoy Hawaii 100 times more ! ! Wi-Fi routers are becoming a necessity for international travel, and with Vision Mobile, you can rent one on the same day in Hawaii ! ! Connect your smartphone, PC or...
+1 (808) 922-1010Vision Mobile Hawaii Inc.
-
- We treat a wide range of patients from b...
-
Don't you always put off taking care of your teeth ? If you wait until they actually hurt, you may end up having to go through extensive treatment. Check with your dentist every six months.
+1 (808) 518-8696Natsuko W. Nakatani, DDS
-
- From kindergarten children to elementary...
-
Hawaii Private Tutoring x Tutoring School = Home tutoring to dramatically improve academic performance ! ! From kindergarten children to elementary school students, high school students, university s...
+1 (808) 306-1677Focus Labo LLC | フォーカス教育研究所
-
- Enjoy authentic Japanese cuisine in a re...
-
Always highly rated by YELP. We strive to provide a variety of meals with carefully selected ingredients and a rich menu so that everyone from children to the elderly can dine with ease. A full dinin...
+1 (808) 926-5616義経レストラン| YOSHITSUNE - Park Shore Hotel
-
- We are one of the most experienced immig...
-
We are one of the most experienced immigration law and visa processing firms in Hawaii.
+1 (808) 531-7979Kagimoto, Elton S. Attorney at Law