How QLAC Makes Your Rollover IRA Better
You designed a QLAC Income Plan that can make your IRA better by enabling you to control, increase and stabilize the income coming from your Rollover IRA.
Most investors think that taking the Required Minimum Distributions required by the IRS is a retirement income strategy. It's not. It's a way for the IRS to recover the taxes on the income that was deferred.
Set out is an illustration of replacing 25% of your IRA Account Balance with your QLAC Plan.
The advantages of this approach are the following:
1 Your total IRA payments are stabilized.
2 Your income is greater and increases for most of your period.
3 40% of your payments through age 95 come from QLAC purchased with only 25% of your account.
With a large percentage of your payments guaranteed you can take greater risk on non-QLAC portion.
Return to Step 2 >
Investing Non-QLAC Funds:
If you'd like some ideas on how you might invest the non-QLAC portion of
your account, we can refer you to advisors who work with QLACs as part of
their investment strategy. Please check "Request a Referral" in box at right.