Your Financial Journey
Stage 1: The Accumulation Years
It is vital that we save during our accumulation or working years to allow us to have the lifestyle we aspire for once we reach retirement. Navigating through the various investment options can be a daunting task. With restrictions on how much can be invested into an employer sponsored retirement plan or an Individual Retirement Account, fixed indexed annuities may provide a great alternative to retirement savings.
ViStar ® Fixed Indexed Annuity Launching you to financial freedom The ViStar ® Fixed Indexed Annuity can be a useful tool for individuals who are in different periods of their lives. Annuities are often viewed as insurance products that are only appropriate for those nearing their retirement age, but with the advancements in annuities, they can be utilized to help individuals face their unique financial challenges at every stage of life.
Through a ViStar ® Fixed Indexed Annuity during the accumulation phase you can:
• Maximize growth opportunities through tax deferral
• Receive a portion of market gains, if available, with 100% protection from market losses
• Assign a beneficiary(ies) to potentially avoid probate
• Opt to have the annuity owned by a trust to direct family wishes
• Create a hedge against inflation
• Have a safe alternative in a low interest rate environment
Advantages of Tax Deferral
Currently Taxed
Tax Deferred
Dollar Amount
$100,000
$100,000
Assumed Annual Return
5%
5%
Dollar Amount Earned
$5,000
$5,000
Tax Bracket
32%
32%
Tax Payable
$1,600
$0
After Tax Earnings
$3,400
$5,000
Net After - Tax Yield
3.4%
5%
6
7
ViStar ® Fixed Index Annuity
Clear Spring Life and Annuity Company
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