定期存单和固定递延年金之间的差额

While both CDs and fixed deferred annuities are good savings vehicles, it's important to identify your goals to determine which option is best for you.

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CD和. 年金:哪一种最适合你?

Both certificates of deposit (CDs) and fixed deferred annuities can be used to accumulate wealth. 然而,它们之间有许多不同之处. 让我们来比较一下这些产品的两个类似版本:

  1. 个人拥有的不合格的银行存单. 
  2. An individually owned, nonqualified single-premium deferred fixed annuity.

Carefully review the following comparisons to help you decide which of these two products best suits your needs and financial situation.

 

主要的安全

Both CDs and fixed deferred annuities are considered low-risk investments. 存单一般由银行和银行发行, 在大多数情况下, are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000储户. Should the bank fail, the FDIC guarantees CDs up to this amount.

Fixed deferred annuities are issued by insurance companies and are not insured by the U.S. 政府. They are backed by the claims paying ability of the issuing insurance company, 不管多少钱.

 

在购买年金之前, you should make sure the issuing insurance company is financially sound. You can request the findings of independent rating companies such as Moody’s, A.M. 最好的,标准的 & 可怜的是,和惠誉.

 

短期积累

在定期存单和固定递延年金之间做决定时, the amount of time you need to save should be a key factor. 为短期目标, 比如房子或新车的首付, CD可能是更好的选择. CD maturity periods can be as short as one month or as long as several years.

长期的积累

A fixed deferred annuity is designed to help you accumulate money for retirement, or to protect the funds you’ve already saved once you’ve reached retirement. A fixed deferred annuity is usually more flexible for accessing your money later.

CD和. 年金:关键目标

产品
主要的安全
短期积累
长期的积累
利益回报
延期缴税
流动性
到期分配期权
存款证明书    
固定延期年金   *

*与局限性

利益回报

CDs offer you a guaranteed rate of return for a specified period; interest rates will vary depending on market conditions at the time the CD is purchased and the length of time before the CD’s maturity, 但它们通常在整个存单期内是固定的. 更新费率没有最低保证.

固定递延年金, a guaranteed interest rate is locked in for an initial period. 此后,利率每年都可能调整. Fixed deferred annuities 也 provide you with a guaranteed minimum interest rate, 不管市场状况如何.
 

税收储蓄

If taxes are a concern, a fixed deferred annuity may be a better option.

Earnings on CDs are taxable in the year the interest is earned.

固定递延年金, earnings accumulate tax deferred and are not treated as taxable income until they are withdrawn. 这可能有助于退税时间. If you are saving for the long term like for retirement, the tax deferral may be helpful.

Fixed deferred annuities may 也 help reduce or eliminate taxes on your Social Security benefits. 如果你把钱放在固定的递延年金中, 你可以减少你的应税收入, keeping it below the level where you would begin to owe taxes on your Social Security benefits. (In 2020, 收入低于32美元的夫妇共同申报,每年000 000人的社会保障福利不需要缴税, 收入在32美元之间的夫妇,000 to $44,000 owed taxes on 50 percent of their Social Security income, 以及收入超过44美元的夫妇,000 owed taxes on 85 percent of their Social Security income.1)

Your interest on a CD is taxable, so it will add to your income for the year. 与年金, 在你把钱取出来之前,你的利息是不征税的, so it won’t count as income that may cause your Social Security payments to be taxed—until it is withdrawn.

另外, your annuity’s account value will be paid directly to your named beneficiaries, 避免与遗嘱认证相关的成本和延迟. 存单可以接受遗嘱认证. 请注意, 然而, 如果地产足够大, 固定年金和定期存单都要缴纳遗产税. 请注意, 也, that the earnings inside a fixed annuity are subject to income taxes when they are paid out. (The earnings in a CD, by contrast, are taxed when you earn them.)
 

流动性

If you need access to the funds in a CD prior to its maturity date, you may pay an interest penalty ranging from 30 days to six months of interest.

A fixed deferred annuity 也 provides you with access to your money; 然而, withdrawals taken during the surrender charge period are generally subject to surrender charges. Most companies will allow you to withdraw a portion of your deferred annuity’s account value, 通常每年10%, 没有公司征收的投降费.

一旦缴费期届满, you can access your money at any time without surrender penalties. It’s important to remember that such withdrawals will be taxable and, 如果是在59岁半之前, 可能会被额外征收10%的税款.
 

到期分配期权

当定期存单到期时, 你可以把CD的一次性价值换成现金, renew the CD for the same or for a different maturity period, or examine other savings alternatives (such as a fixed deferred annuity).

固定递延年金, 你可以选择一次取钱, 或者你可能想要选择一个终生收入选项, which provides you with a flow of income that you cannot outlive. You could 也 choose to let your funds continue to accumulate until they are needed.

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1 来源: http://www.irs.gov/newsroom/dont-forget-social-security-benefits-may-be-taxable
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