An educational guide to fixed and variable annuities: their role in retirement planning, how they work, tax benefits, payout options, typical features, and more.

 
Understanding Your Need for Retirement Planning
Your Need for Retirement Planning
Why you should consider an annuity
Annuities and the big retirement picture
 
Understanding Annuities
What is an annuity?
Which type of annuity may be right for you?
Manage your money with special annuity features
The tax benefits of annuities
Funding a qualified retirement plan with an annuity
Your annuity will have two phases
The accumulation phase
The income (payout) phase
Choosing a growth strategy
 
Understanding Investment Basics
Consider stocks for long-term growth potential
Diversify your investment
Understanding risk
 
Understanding Annuities in Retirement Planning
Managing your income
Guaranteed income plans (annuitization)
Plan ahead for taxes
Costs and fees of annuities
How much will you need to retire?
 

Prudential Financial's Retirement Worksheet
Rather than talk about how much income the "average" person will need in retirement, we've designed a simple worksheet that can help you determine how much money you'll need. The worksheet will help you use this guide to your best advantage. It takes only a few minutes to complete. The worksheet can be found on this page.

Unless otherwise specified, any reference to "annuity" means a nonqualified tax-deferred annuity. For additional information, speak with your licensed financial professional.

 
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