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Fixed or variable? That is the question.
Fixed and variable annuities may be attractive
investments for investors from all walks of life.1
Read on to appreciate the special features of each and to decide
which is most appropriate to your situation.
Fixed Annuities are insurance contracts that provide you
with competitive interest rates, tax-deferred earnings and flexible
withdrawal options. They are investments through which to create
a stream of income to meet your financial needs.
Your principal is protected. A fixed annuity is considered
one of the safest retirement options because all principal contributions
are fully guaranteed by the insurer who issues the annuity contract.
You enjoy competitive interest rates. When you purchase
your fixed annuity, the insurance carrier agrees to pay you a
stated rate of interest for a fixed period of time. After that
period of time your renewal rates will fluctuate based on current
market conditions, but will never go below specified levels as
stated in your contract.
A fixed annuity may provide the protection you need. Choose from:
- Glenbrook Life Performance Plus Annuity
- Glenbrook Life Secure Index Annuity
- American General Fixed Annuity
- Hartford Life Compound Rate Contract
Variable Annuities are insurance contracts that combine
the advantages of tax-deferral with professionally managed
investment portfolios. Like fixed annuities, they provide flexible
withdrawal options.
You decide how your dollars are invested. As the policyholder
of a variable annuity, you choose investments that range from
conservative money market to aggressive equity accounts. These
accounts are managed by professional, experienced investment
companies. Your returns are based on the performance of those
investments.
You receive death benefit protection. Regardless of the
investment's performance, your principal is protected for your
beneficiaries. This varies by product, but in most instances
the issuing insurance company will pay to your named beneficiary
the greater of current account value or total premium payments
less withdrawals. Many products also offer minimum annual returns
or "stepped-up" account values that lock-in market value appreciation.
A variable annuity may provide the protection you need. Choose from:
- Fortis Masters
- Fortis Opportunity
- Aetna Marathon Plus
- Putnam Capital Manager
- The Hartford Director
- Nationwide Best of America
- Nationwide America's Vision
All of the above fixed and variable annuities are available from U.S. Bancorp Investments in the following states:
| California |
Montana |
Utah |
| Colorado |
Nebraska |
Washington |
| Idaho |
Nevada |
Wisconsin |
| Illinois |
North Dakota |
Wyoming |
| Iowa |
Oregon |
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| Minnesota |
South Dakota |
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1Annuities are
offered through U.S. Bancorp Insurance and Investments, Inc. in
Wyoming. Annuity withdrawals may be subject to a surrender charge.
Withdrawals prior to age 59 1/2 may be subject to a 10% IRS penalty,
taxes payable upon withdrawal.
To learn more about your investment options, call 1-800-888-4700
to speak with one of our U.S. Bancorp Investment Specialists
today or Contact Investments.
First American Asset Management, a division of U.S. Bank National
Association, serves as the investment advisor to the First American
Funds and receives compensation for such advisory services. For
more complete information about any First American Fund, including
charges and expenses, send for a prospectus from: U.S. Bancorp
Investments, Inc., 100 South 5th Street, Suite 1400, Minneapolis,
MN 55402. Read the prospectus carefully before you invest or send
money. Past performance does not guarantee future results. For
Broker/Dealer inquiries, call 1-800-814-3406.
In choosing a retirement plan and completing plan documents,
we recommend that you seek advice from your legal or tax advisors.
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