I’m seeking advice regarding a non-qualified variable annuity provided through employer. Here are the details:
•Current Value: $125,000
•Capital Gains: Approximately $30K
•Fees: 1.1% AUM
•Employer Contributions: Previously 30%, but these will stop going forward
Since my employer will no longer contribute, I’m considering a 1035 exchange. My investment horizon is 10–15 years, and I do not need immediate liquidity.
Could you please advise on:
1.The most suitable options for long-term growth and tax efficiency—such as Registered Index-Linked Annuities (RILA), Equity-Indexed Annuities (EIA), or other alternatives.
2.Key factors I should consider when comparing these products (e.g., fees, risk exposure, market participation, tax implications).
I’d appreciate your inputs on whether a transfer makes sense and what products align best with my goals.
Thank you for your time and expertise. Please let me know if you need additional details.
•Current Value: $125,000
•Capital Gains: Approximately $30K
•Fees: 1.1% AUM
•Employer Contributions: Previously 30%, but these will stop going forward
Since my employer will no longer contribute, I’m considering a 1035 exchange. My investment horizon is 10–15 years, and I do not need immediate liquidity.
Could you please advise on:
1.The most suitable options for long-term growth and tax efficiency—such as Registered Index-Linked Annuities (RILA), Equity-Indexed Annuities (EIA), or other alternatives.
2.Key factors I should consider when comparing these products (e.g., fees, risk exposure, market participation, tax implications).
I’d appreciate your inputs on whether a transfer makes sense and what products align best with my goals.
Thank you for your time and expertise. Please let me know if you need additional details.
Statistics: Posted by ashg — Tue Dec 02, 2025 11:47 pm — Replies 0 — Views 77