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Annuities and your portfolio at J.P. Morgan

Investments are often unpredictable, and this uncertainty can affect how you plan for the future. At J.P. Morgan, we can help you mitigate investment and life event risk through annuities, which have the unique potential to generate an income stream that can last a lifetime. They provide you with a degree of protection and certain guarantees that can help you secure your future and realize the full potential of your wealth.

What is an annuity and how can it help your complex investment portfolio?
 

For a majority of individuals, annuities serve as a tool to grow assets tax-deferred over the long term, providing guaranteed retirement income. But for those with significant wealth, an annuity has unique features that can help enhance a multi-faceted wealth plan.

Tax sheltered

Annuity earnings accumulate on a tax-deferred basis so long as the funds stay in the annuity. Investment growth is not taxed until withdrawal.

Guarantees

Unlike other investment products, annuities provide certain guarantees no matter how the market performs. These benefits are unique to annuities and can protect and preserve your wealth.

Flexibility

Annuities give you the freedom of choice. As you progress through different life stages, your goals may evolve. You have the ability to move into a different annuity without triggering tax implications.

J,P. Morgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting professionals before engaging in any transaction.

All annuity contract and rider guarantees, or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company.

 

Annuities provide flexibility, tax deferral and guarantees

Your partner in securing the future you envision
 

At J.P. Morgan, we help you plan with your goals in mind, so that you can experience the full possibilities your wealth creates.

Valuable partnerships
 

We work with third-party insurance carriers and carefully curate our platform with select products that address a variety of goals.

Global scale
 

Our size and experience allows us to negotiate pricing and features that we can offer exclusively to our clients.

Innovation
 

Our investment and product teams collaborate with select insurers to build cutting-edge products for our platform.

Holistic planning
 

We ensure your annuity works in harmony with the rest of your portfolio and is aligned to your unique goals.

Ongoing support
 

We provide access to a dedicated team of specialists to guide you through the process and check in with your goals.

Support your objectives with an annuity
 

An annuity is designed to be flexible and can help address a variety of goals in your wealth plan.

Tax-deferred accumulation

Wrap tax-inefficient asset classes in an annuity to help enhance growth potential

Protection from volatility

Annuity features and guarantees allow for protection during times of market volatility

Fixed income alternative

Certain annuity types may provide competitive rates of return compared to traditional fixed income assets with the added benefits through guarantees and tax-deferral.

Types of annuities


There are various annuity options depending on your situation and goals. We can help you select the product that works in harmony with your portfolio and helps you achieve the outcomes you desire.

GUARANTEED AND STABLE GROWTH

Fixed annuities
 

Fixed annuities provide a fixed rate of return and
guaranteed principal protection.

GROWTH AND PROTECTION

Indexed annuities
 

Investment growth is based on performance of a selected index. These provide some degree of market exposure with principal protection in the event of market losses.

GROWTH AND GUARANTEED BENEFITS

Variable annuities
 

The annuity's value tracks the performance of the
investments you select, providing market exposure along
with growth potential.

INVESTMENT-FOCUSED GROWTH AND GREATER RISK

Investment-only variable annuities
 

Just like variable annuities, the value of the annuity will rise and fall with the performance of the investments you select, but with investment-only variable annuities, your options may be more differentiated.

Meet the team

Talk to your J.P. Morgan Team about how an annuity may work in your wealth plan

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Important Information

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.

Asset allocation/diversification does not guarantee a profit or protect against a loss.

Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, an additional 10% federal tax may apply. Keep in mind, for retirement plans and accounts (such as IRAs and 401(k)s), an annuity provides no additional tax-deferred benefit beyond that provided by the retirement plan or account itself.

Annuities are long-term investments designed to help meet retirement needs. They are a contractual agreement where a client makes payments to an insurance company, which, in turn, agrees to pay out an income stream or a lump sum amount at a later date. Annuities typically offer (1) tax-deferred treatment of earnings; (2) a death benefit; and (3) annuity payout options that can provide guaranteed income for life. There are contract limitations, fees and charges associated with annuities which include, but are not limited to mortality and expense risk charges, sales and surrender charges, administrative fees, charges for any optional benefits, and charges for the underlying investment options in variable annuities. In addition, variable annuity contract values will fluctuate and are subject to market risk including the possible loss of principal. It is possible to lose money in a variable annuity purchased with an optional protection rider. Variable annuities have holding periods, limitations, withdrawal charges, exclusions, termination provisions, and terms for keeping them in force. Optional riders may be irrevocable and expire without use. Early withdrawals may be subject to surrender charges, and taxed as ordinary income, and in addition, if taken prior to age 59½ an additional 10% federal tax may apply. Withdrawals reduce annuity contract benefit, values and optional guarantees in an amount that may be more than the actual withdrawal.

It is important to note that indexed annuity contracts commonly allow the insurance company to change the participation rate, cap rate, and/or spread rate on a periodic — such as annual — basis. Such changes could adversely affect your return. No single index crediting method will provide the highest interest credit in all market scenarios. The guaranteed minimum cap rate/maximum spread rate are established when the annuity is purchased and disclosed in the annuity contract.

LEARN MORE About Our Firm and Investment Professionals Through FINRA Brokercheck

To learn more about J.P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS and Guide to Investment Services and Brokerage Products. 

 

JPMorgan Chase Bank, N.A. and its affiliates (collectively "JPMCB") offer investment products, which may include bank-managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC ("JPMS"), a member of FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states. Please read the Legal Disclaimer in conjunction with these pages.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

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