With 200,000 USD, can you receive 50,000 USD in retirement funds each year?

Keeping funds in a bank earns interest that doesn't outpace inflation. Buying government bonds may offer higher current interest rates, but once inflation peaks, those rates could decline, making it difficult to guarantee long-term high returns. Investing in the stock market means constantly worrying about market fluctuations; a small misstep could turn retirement savings from a 401(k) into a 301(k)!

Is there a risk-free, principal-protected product that allows you to enjoy stable, high returns, similar to a pension, where you can receive substantial retirement funds each year and ensure a comfortable retirement?

This is the Fixed Index Annuity from Allianz Insurance (Allianz Benefit Control). (June 2023)

A Fixed Index Annuity is a contract you enter into with Allianz Insurance. You make an initial payment to Allianz, and they manage your funds, guaranteeing your principal while also allowing it to grow rapidly based on a selected index. At retirement, you can receive significant annual retirement funds from Allianz for the rest of your life.

Current Promotion: Open an account and receive a 32% bonus on your principal. The more you deposit, the greater the bonus!

For example: If you deposit 100,000 USD into the annuity account, you'll immediately receive a 32,000 USD bonus! If you deposit 1,000,000 USD, you'll get a 320,000 USD bonus!

The principal in the annuity account won't lose value during market downturns, as it doesn't directly invest in the stock market. During market upswings, your annuity account can grow rapidly, benefiting from bonuses, interest (up to 2.5 times), and compounding growth!

If the index you choose declines by 5% or if the stock market crashes within a year, your principal and existing earnings won't lose value. If the index increases by 7%, your annuity account's earnings could be as high as 7% * 2.5 = 17.5% (you can continue enjoying the 2.5 times earnings incentive until you start receiving retirement income).

If you prefer not to take market risk, you can also choose a fixed-rate annuity, which similarly offers a 32% bonus on the principal and a 2.5 times earnings incentive. With a current rate of 3%, your actual annuity account return would be 7.5% (2.5 times), outpacing government bonds and bank deposits!

Allianz Insurance is one of the top three insurance groups globally, with over 130 years of history! Allianz has a high credit rating of A+ or above from global credit rating agencies like Standard & Poor's and the American insurance rating agency A.M. Best!

The annuity contract is signed directly with Allianz, and the terms regarding deposits, withdrawal plans, the 32% bonus, and the 2.5 times earnings are all included in the contract, ensuring peace of mind!

Some people worry: Will the insurance company go bankrupt? Is the contract reliable? In the U.S., if an insurance company is unable to operate, another company will take over and continue fulfilling the contract, while each state's guarantee fund provides protection. Therefore, in the U.S., insurance companies are considered more reliable and safer than banks!

When you purchase an annuity, when you can start receiving retirement income depends on your age at the time of purchase. You can begin withdrawals as early as 50, but there may be a 10% federal penalty tax. After age 59.5, you can withdraw retirement income without incurring the federal penalty tax.

This annuity involves a one-time investment in exchange for a risk-free, guaranteed, stable, and continually growing annual income for life.

For example: Mr. Wang, aged 48, invests 200,000 USD in an annuity and begins withdrawals in the 12th year (at age 59.5), with projected annual pension amounts (before tax):

• Age 60: 42,000 USD

• Age 61: 54,000 USD

• Age 62: 55,000 USD

• Age 63: 60,000 USD

• Age 64: 61,000 USD

• Age 65: 78,000 USD

• Age 66: 79,000 USD

• Age 67: 110,000 USD...

Income increases rapidly each year with the selected index. By age 78, the total pension is expected to reach 2.56 million USD!

If you invest more—say 1 million USD today—the future annual pension could be at least five times that of the previous example. For instance, at age 60, you could receive 210,000 USD, 272,000 USD at age 61, 390,000 USD at age 65, 550,000 USD at age 67, and 1.08 million USD at age 75! By age 78, the total pension could reach 12.8 million USD! This continuously growing high annual income will accompany you for life, ensuring you won’t have to worry about financial support in your old age!

Annuities are suitable for retirees seeking stable annual income.

You can purchase an annuity without undergoing a medical exam! This is particularly beneficial for individuals who cannot obtain life insurance due to health reasons but wish to secure stable retirement income and long-term care in the future.