Annuities

• What is an Annuity?
• Types of Annuities
• Benefits
  • Annuity Living Benefits
  • Beneficiary Protection
  • No Contribution Limits
• Asset Allocation
• Is it Appropriate for Me?
• Why Start Saving Now?
  • Dollar Cost Averaging
  • Income Taxes
• Frequently Asked Questions

Annuities

Investing With Tax-Deferred Annuities

Why Let Income Taxes Put a Drag on Your Retirement Savings?

Variable annuities can be an effective retirement savings option that offers the powerful combination of tax deferral with the potential to increase your pool of retirement assets. While the investments of a variable annuity's underlying funds can cover a wide variety of asset classes, the greatest potential for growth has historically come from equity investments.

When adding the benefit of tax-deferred compounding to the growth potential of equities funds, variable annuities have the ability to increase your assets faster than inflation erodes them, and provide the money you will need for retirement. To learn more, refer to our An Overview of Variable Annuities brochure.

Invest with a Leader

Morgan Stanley Smith Barney is one of Wall Street's leading distributors of annuities. We offer products with the latest features, designed by some of the industry's largest issuing companies.

Morgan Stanley Smith Barney continually monitors the financial performance of these companies, as well as their creditworthiness, which is measured by independent rating agencies such as A.M. Best, Standard & Poor's, Moody's and Fitch (formerly Duff & Phelps).