Retirement: Hedging your bets with a deferred variable annuity

Deferred variable annuities are a cross between mutual funds and insurance. They let you invest in mutual fund-like accounts that can grow over time, and they offer a guaranteed minimum, in case the investments lose money.

James Rogers, a financial planner in Exton, Pa., long avoided recommending deferred annuities, mainly because distributions are taxed at ordinary income-tax rates rather than lower capital-gains rates reserved for most other investments. But Rogers took a second look when insurers started offering generous guarantees. "I found they really had some appeal to clients who have lived through two serious bear markets in the past 10 years and have seen significant volatility in their portfolios," Rogers says...

Examiner: Retirement: Hedging your bets with a deferred variable annuity
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