Sentences with phrase «during accumulation»

Even during the accumulation phase incase of an unforseen circumstance, the policy will ensure that your retirement goals are met

The returns during the accumulation phase also enjoy a tax exemption.

During the accumulation phase, there is a surrender charge period which is usually around 7 years (but can last as long as 15 years), and during this time there are penalties for early withdrawal which are in addition to any tax ramifications for early withdrawals.

A death benefit is payable if the owner dies during the accumulation period.

Any earnings are tax deferred during the accumulation period.

The purchase price in an annuity plan is the combined value of the premiums you paid during the accumulation period of the plan.

The retirement planning becomes easier with the new pension scheme as the pensioners receive a pension depending on their contribution towards the pension plan during the accumulation stage.

The second exempt implies that the interest earned during the accumulation phase is also exempted.

The tax is usually less than you would pay during the accumulation period, because the pay out is usually less than the income you earn in your working years.

Many of these plans restrict early withdrawal from your annuity fund during the accumulation years by charging a fee if you should do so.

Like the death benefit, the cash amount accumulated is tax exempt both during the accumulation phase and even can be withdrawn tax free if taken as a loan.

If death occurred during the accumulation phase, prior to annuitization, all of the annuity's value is added to the estate.

«I typically tell people during the accumulation phase of their financial life that now is the time you can start cutting back on life insurance.

Assumptions: We have assumed an annual % return compounding, with deferred (or no) taxation during accumulation.

In the case of unit - linked pension or annuity products, the new rules bar any partial withdrawal during the accumulation phase and the insurer is required to convert the accumulated fund value into an annuity at the vesting date.

The payout amount is determined by the growth of the funds during the accumulation phase.

A single premium deferred annuity (SPDA) allows a single deposit or premium at the issue of the annuity with only investment growth during the accumulation phase.

With a deferred annuity, you typically make a series of premium payments during the accumulation period.

During the accumulation phase, the policyholder has to pay the premiums.

For example, during the accumulation phase (the time when you are building up your retirement savings) any contributions that you make to your Roth IRA are made with after - tax dollars.

Earnings on annuities during the accumulation phase are income tax deferred until distributed.

This guarantees that, should the investor die during the accumulation phase of the variable annuity, the account owner's beneficiary will receive at least the amount of the investor's contributions minus withdrawals or the current market value of the account.

Higher the average temperature during the accumulation period, higher the accumulation.

During the accumulation phase, every dollar we don't spend every month accelerates the retirement date in two ways:

During the accumulation stage, the investment portfolio should be invested for high growth and minimal income.

These days, the amount of taxes saved during the accumulation / deferral phase is so close to the amount of taxes repaid during the distribution / retirement phase, that's there's hardly any difference.

• B44 & B45: Input fees and all like you did during the accumulation phase, but be aware that you probably would have wised up by then and rolled it over to a Rollover IRA and are managing it yourself using a discount broker.

So much lower that the amount of ordinary income taxes paid on 100 % of withdraws at age 60 (AKA the withdrawal phase), is many of times more than the dividend and capital gains taxes saved along the way (during the accumulation phase).

The numbers in italics below show what you would have had if the total return during the accumulation phase was inputted as 5 % on the Investment Comparison demo (instead of 1.1 %, like it was).

This is during accumulation, when the best fixed allocation is 100 % stocks.

Let's further say he expects the same returns in each account of 5 % (Real) during accumulation plus 4 % during retirement.

These findings apply during accumulation (with dividends reinvested but without any other deposits and / or withdrawals).

Its importance diminishes by year 30 (during accumulation, with dividends reinvested and without withdrawals).

POST D. Switching during Accumulation We already have two important findings related to switching stock allocations during the accumulation stage.

During the accumulation phase, 12 free transfers between subaccounts are allowed each year without a fee.

During your accumulation years, you are allowed to keep money from the country's collective income (a.k.a. «taxes») by investing it in your retirement accounts before paying taxes on it.

A withdrawal or surrender of an annuity account during the accumulation phase, which is usually around 7 years, will generally result in a surrender charge penalty from the insurance company.

In my earlier studies, I had found that it generally makes sense to dollar cost average into a 100 % stock portfolio during accumulation.

You can withdraw annuity principal during the accumulation phase of the plan if you wish.

Perhaps the biggest advantage to an annuity is that you pay no taxes on the income and investment gains of funds placed into an annuity during the accumulation phase of a deferred annuity.

There are considerations that apply during the accumulation and the decumulation phases.

«An investment could be suitable during the accumulation phase, but may not be a good fit during the withdrawal phase,» says Kvick.

Otherwise I agree with using the single portfolio approach — it can be much more tax efficient during the accumulation / growth phase.

It was easier to rebalance during the accumulation phase.

With a deferred annuity, you make regular premium payments to an insurance company over a period of time and allow the funds to build and earn interest during the accumulation phase.

Any money in an annuity grows tax - free during the accumulation phase.

Total return tells you what happens during accumulation.

During accumulation, it does not seem necessary.

The value of the account during accumulation, and the income payments after annuitization vary, depending on the performance of the investments selected.

The opposite is true during the accumulation phase.