递延纳税储蓄

的 results below show the hypothetical values of a taxable 投资 vs. 一个递延税项 投资, and the hypothetical value of the tax-deferred 投资 after taxes 支付. 的 growth of the tax-deferred 投资 exceeds that of the taxable 投资 because you keep more of your money working 为 you. 如果你增加 the number of years you plan to save, you’ll see that the longer your time frame, the greater the difference becomes.

的 chart below illustrates the difference tax-deferred accumulation can make. 的 highest line on the chart shows the tax-deferred amount accumulated assuming the values you entered. 的 middle line on the chart demonstrates the tax-deferred amount accumulated after taxes have been paid according to the tax rate you selected. 的 lowest line on the chart shows the amount accumulated assuming the same values, but with earnings taxed annually.

If you are investing 为 long-term goals, such as retirement, you may want to consider 递延税项的替代品. We can help you sort through the various 投资 options to determine what may be appropriate 为 your situation.

Advantage of Tax-Deferred Accumulation

的信息 provided is not specific 投资 advice, a guarantee of per为mance, or a recommendation. Typically withdrawals from tax-deferred 投资s are taxed as ordinary income and any withdrawals taken prior to age 59½ may be subject to an additional 10 percent federal tax penalty. A plan of continuous or systematic investing does not ensure a profit and does not protect against loss in declining markets. 某些 tax-deferred 投资s include mortality and expense charges, sales charges, and administrative fees which would reduce the per为mance shown if they were accounted 为. Lower maximum tax rates 为 capital gains and dividends, as well as the tax treatment of 投资 losses, could make the 投资 return 为 the taxable 投资 more favorable, thereby reducing the difference in per为mance between the accounts shown. One's timeframe and income tax brackets, both current and anticipated, should be considered when making financial decisions. Rates 的回报 will vary over time, particularly 为 long-term 投资s. 投资 offering the potential 为 higher rates 的回报 also involve a higher degree of 风险.