Sentences with phrase «as subaccount»

You (the annuity owner) make a lump - sum payment or a series of premium payments to an annuity issuer (the insurance company), which will accumulate earnings at a fixed interest rate (a fixed annuity) or a variable rate determined by the growth (or losses) in investment options known as subaccounts (a variable annuity).

Variable annuities» interest rates are based on their underlying investment accounts, known as subaccounts.

So owners can get back their premiums, minus fees, without tax consequence — as long as their subaccounts» performance has kept up with the cost of insurance.

Your money is placed in investment options known as subaccounts, which are similar to mutual funds.

Not exact matches

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The investment companies (subaccounts) offered in Elite Access Advisory are registered as investment companies under the Investment Company Act of 1940, as amended («1940 Act»), and their shares are registered under the Securities Act of 1933, as amended.

But instead of investing your money in the insurance company's general account, as with a fixed annuity, your money is invested in a separate account made up of a number of different investment subaccounts.

The subaccount seeks as high a rate of current income as Putnam Management believes is consistent with preservation of capital and maintenance of liquidity.

The ability to invest in equity - linked subaccounts with your IUL cash account offers you the chance to experience faster growth during periods when the stock market performs well, subject to policy features such as cap and participation rates.

Even if the market is moving upwards, if volatility is elevated the higher costs the insurance company must pay as a result can result in reduced cap and participation rates, reducing the amount of interest credited to your index - linked subaccounts.

The return of the growth is calulated after substracting the MER.75 % of the principal is guarenteed at maturity.You can also withdraw 10 % without any penality in every year from the segregated funds.You can also do SM through Manuone.If you can put 10 % with CMHC insurance, either borrow a lumpsum from the subaccount, if you have the equity, or can use dollar cost averaging.In this case you pay only prime rate for the mortgage aswell as for the subaccount just like a credit line.The beauty of the mauone is that you can pay of the mortgage at any time if you have the money.Any money goes into your account will reduce your principal amount, and you pay only the simple interest at prime for the remaining principal.With a good decipline and by putting the tax returnfrom the investment in to the principal will reduce the principal subsatntially.If you don't have the decipline don't even think of this idea.I am an insurance agent, recently I read this SM program while surfing the net, I made my own research and doing it for my clients.I believe now 20 % downpayment can get a mortgage without cmhc insurance.Fora long term investment plan, Manuone with a combination of Segregated fund investment I believe is the best way to pay off the mortgage quickly and investment for the retirement.

Where IUL differs from UL is that these policies enable policyholders to invest some or all of their available cash account in a subaccount option based on the performance of market indices such as the S&P 500 or the NASDAQ 100.

The subaccounts expect to invest in positions that emphasize alternative investments or nontraditional asset classes or investment strategies and, as a result, are subject to the risk factors of those asset classes.

It's one thing to maintain a separate subaccount for after - tax contributions and their earnings, and another to designate a particular payment as coming from that subaccount.

The plan can give participants the choice as to whether a particular distribution comes from the separate subaccount.

There is some confusion as to the availability of separate subaccount treatment for after - tax contributions to employer plans.

Because you are a young investor, you must apportion most or the entire contract values in what they call as «subaccounts» that invest your funds in stocks, for the reason that their time horizon is lengthy enough to permit them to regain losses incurred in the markets.

As for US dollar subaccounts in the RRSP, I asked about this as welAs for US dollar subaccounts in the RRSP, I asked about this as welas well.

I'd like to to have the value of «My Business Income» - «My Business Expenses» - «My Business Liabilities» at a glance by putting them under a placeholder account that can accepts as child accounts both income / expense and liabilities subaccount types

• Losing money and / or not making money in up markets, due to poor performance of the poorly - selected investment choices (called their «line - up» of variable subaccounts, which are just the choices of regular mutual funds wrapped up in a tax wrapper selected as the most profitable to sell by the good «ol boys at the life insurance company).

Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies.

Additionally, the Fidelity VIP Government Money Market Portfolio subaccount will replace the PIMCO VIT Money Market Portfolio for future transactions made through any automated program (such as automatic additions, automatic portfolio rebalancing, dollar cost averaging or systematic withdrawal).

Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies.

Rather than growing at a set rate of interest, though, with variable universal life, the funds in the cash component are actually managed professionally (unlike variable life policies that are managed by the policyholder) in underlying «subaccounts» and can be in entities such as stocks, bonds, and mutual funds.

As opposed to a fixed annuity that offers a guaranteed interest rate and a minimum payment at annuitization, variable annuities offer investors the opportunity to generate higher rates of returns by investing in equity and bond subaccounts.