A variable annuity is an annuity offers insurance or a guaranteed monthly payment, the ability to save for retirement and defer taxes, and the potential for positive returns on different investments. A variable annuity has two phases. The first phase is the accumulation phase. In the accumulation phase an investor makes payments into the annuity’s account. That account can be divided and invested in the stock market, bonds, and funds. The second phase is the payout phase. In this phase, the retiree receives a monthly payment that consists of his accumulated savings and also the gains made from the invested savings.
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