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Investment版 - vanguard variable annuity
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话题: annuity话题: variable话题: vanguard话题: tax话题: deferred
1 (共1页)
s*******e
发帖数: 257
1
我现在在考虑taxable account的investment,放在普通taxable account里面每年会被
tax。不知道有没有人清楚vanguard variable annuity?尤其是这个Tax-deferred
retirement savings with the Vanguard Variable Annuity:after-tax的钱投资,然
后tax-deferred。虽然投资的选择上有限制,只能选vanguard的一些portfolio,不过
对于投资外行来说,可能区别也不大。还有一个缺点是expense ratio在0.5%到0.7%左
右,比普通index fund高。请问大家对此有什么建议?谢谢!
s*******e
发帖数: 257
2
刚刚看到又一个缺点:59.5岁之前withdraw有10%penalty。所以如果想随时取钱的话还
是只有普通taxable account了
r****m
发帖数: 1204
3
是的。
Plus, some other things to consider:
a) 很多index funds (ETFs)是非常tax efficient的
b) Other than the variable annuity expenses, each fund's expense remains,
and it could be higher if you buy the funds on your own outside of the
annuity
c) You could lose money with a variable annuity
d) If you lose money, you can deduct with other capital gains for tax
purposes
You should do an Excel-based comparison with different scenarios before
selecting which option to pursue, don't just qualitatively focus on the tax-
deferred benefits.
1 (共1页)
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话题: annuity话题: variable话题: vanguard话题: tax话题: deferred