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Annuities can help you secure your future

We can help you plan a successful retirement built around your unique goals. Adding an annuity to your plan may help provide protected growth and a guaranteed lifetime income stream so you can retire with confidence.

Already have an annuity? Schedule a meeting with your J.P. Morgan Private Client Advisor to manage your annuities and discuss any questions.

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Learn more about annuities

What is an annuity?

An annuity is a long-term, tax-deferred investment that can provide different benefits, such as a steady income stream.

Who are annuities for?

Anyone who is generally concerned about outliving their money during retirement, about the impact of market declines on their retirement income and who are looking to preserve their retirement savings should consider an annuity.

Why invest in annuities?

Investing can be unpredictable, especially as we near retirement. Annuities can evolve with you and your goals, and help secure a lifetime income stream.

Annuities with J.P. Morgan Wealth Management

  • Our J.P. Morgan Advisors can help you set and meet your long-term investing and retirement goals.
  • Schedule an investment check-up with a J.P. Morgan Advisor and they can help select the right annuity for you.
  • Once your annuity is issued, it may begin to provide guaranteed lifetime income, depending on the chosen benefits.
  • Annuities grow on a tax-deferred basis, so you don't pay taxes on any potential growth until withdrawal.
  • J.P. Morgan monitors the annuity landscape and keeps track of trends within the industry to provide quality and competitive products.

A J.P. Morgan Private Client Advisor is here to help

Get one-on-one guidance with a dedicated advisor. Your J.P. Morgan Private Client Advisor will get to know you, your family and your goals to help you design a retirement strategy.

Let’s connect to get help from a J.P. Morgan Advisor

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Annuity calculator

Use this calculator to estimate different annuity payouts and see how it can impact your retirement strategy.

Frequently asked questions

When planning for retirement, you can consider two primary types of annuities: fixed annuities and variable annuities. Fixed annuities offer a stable, guaranteed rate of return over a specified period, or they may provide growth potential up to a certain cap by tracking specific market indices, all while ensuring 100% principal protection against market losses. On the other hand, variable annuities allow funds to accumulate or income to be distributed based on the performance of the investment options selected by the contract owner. Variable annuities may include features such as: 1) guaranteed lifetime income, 2) standard or enhanced guaranteed minimum death benefits, 3) tax deferral and 4) principal protection.

An annuity acts as a contract between you and the insurance company, where you invest your principal, and in exchange, the insurance company provides you certain guarantees, such as lifetime income or principal protection.  Depending on your goals and the type of annuity you select, you can choose an income payment schedule that works for you.

Annuities grow on a tax-deferred basis. When the contract owner withdraws from the account, the amount is generally taxed at your ordinary income tax rate.

While annuities are not retirement accounts, they are often used as part of an overall investment strategy to complement your retirement accounts. 

An immediate annuity is designed to provide income now and is best suited for investors who are income-oriented.  A deferred annuity offers income starting at a future date you choose. Before you start receiving income payments, the value of your annuity can accumulate on a tax-deferred basis, potentially generating additional income to secure your future.  

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