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Annuity Insights

Rethink retirement

Resources to help your clients plan and invest for retirement.

Featured Annuity Insight

In the latest bulletin, Katherine Roy explains that although not one solution or approach is right for every situation, there are certain products that we can agree should be carefully considered when constructing a sound retirement income strategy. Annuities are one of these products.

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Annuity Insights

Explore key advantages of annuities including how annuities may be able to provide significantly better income in retirement since an insurance company can stay fully invested through many market cycles.

DR. DAVID KELLY, CHIEF GLOBAL STRATEGIST

 

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Reality Check!

Research shows dramatic intra-year ups and downs. U.S. stocks posted positive annual returns in 29 of 39 years, despite an average intra-year drop of 13.9%.

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Guide to the Markets

The Guide illustrates a comprehensive array of market and economic histories, trends and statistics through clear, compelling charts and graphs you can share with your clients.

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Our Variable Annuities sales team can help you grow your business

J.P. Morgan Asset Management is proud to support the  Alliance for Lifetime Income  

 

Disclosures

This document is a general communication being provided for informational purposes only. It is educational in nature and not designed to be taken as advice or a recommendation for any specific investment product, strategy, plan feature or other purpose in any jurisdiction, nor is it a commitment from J.P. Morgan Asset Management or any of its subsidiaries to participate in any of the transactions mentioned herein. Any examples used are generic, hypothetical and for illustration purposes only. This material does not contain sufficient information to support an investment decision and it should not be relied upon by you in evaluating the merits of investing in any securities or products. In addition, users should make an independent assessment of the legal, regulatory, tax, credit, and accounting implications and determine, together with their own professional advisers, if any investment mentioned herein is believed to be suitable to their personal goals. Investors should ensure that they obtain all available relevant information before making any investment. Any forecasts, figures, opinions or investment techniques and strategies set out are for information purposes only, based on certain assumptions and current market conditions and are subject to change without prior notice. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted. It should be noted that investment involves risks, the value of investments and the income from them may fluctuate in accordance with market conditions and taxation agreements and investors may not get back the full amount invested. Both past performance and yields is not a reliable indicator of current and future results.

Variable annuity guarantees are only as good as the insurance company that gives them. While it is an uncommon occurrence that the insurance companies that back these guarantees are unable to meet their obligations, it may happen. Annuity withdrawals prior to 59½ may be subject to tax penalties, are subject to market risk and may lose value. Riders have additional fees and costs associated with them and are subject to additional conditions, restrictions and limitations.

Opinions and estimates offered constitute our judgment and are subject to change without notice, as are statements of financial market trends, which are based on current market conditions. We believe the information provided here is reliable, but do not warrant its accuracy or completeness. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. The views and strategies described may not be suitable for all investors. This material has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, accounting, legal or tax advice. References to future returns are not promises or even estimates of actual returns a client portfolio may achieve. Any forecasts contained herein are for illustrative purposes only and are not to be relied upon as advice or interpreted as a recommendation.

Past performance is no guarantee of comparable future results. Asset allocation/diversification does not guarantee investment returns and does not eliminate the risk of loss. Dollar cost averaging does not ensure a profit and does not protect against loss in declining markets. An investor should consider his or her financial ability to continue making additional investments through periods of low share price levels. Investments in bonds and other debt securities will change in value based on changes in interest rates. If rates rise, the value of these investments generally drops. International investing involves a greater degree of risk and increased volatility. Changes in currency exchange rates and differences in accounting and taxation policies outside the U.S. can raise or lower returns. Also, some overseas markets may not be as politically and economically stable as the United States and other nations.

J.P. Morgan Asset Management is the brand for the asset management business of JPMorgan Chase & Co. and its affiliates worldwide.