Risk-management strategies for your toolbox

Thought leadership for retirement and risk planning essentials

Focus on registered index-linked annuities (RILAs) — a RILA is a long-term, tax-deferred vehicle designed for retirement. It is subject to investment risk, its value will fluctuate, and loss of principal is possible. A RILA, which is an insurance contract, allows you to choose how you want to prioritize growth opportunities while managing the amount of loss you may assume. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met.

Examine major financial risks investors may face for the first time in retirement.

Explore field-tested strategies commonly used to manage these risks that are often different from the tactics that investors used when they earned a salary.

Learn how annuities can fit into a comprehensive retirement toolbox.

Understand how fee-based deferred annuities can be useful in financial risk management and how different annuity types may be leveraged to meet unique investor needs, goals, time horizons and risk tolerance.

Download the Smart financial risk-management strategies for your toolbox white paper today.