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Tax Deferred Investments with Third Federal

A simple truth: less taxes mean a bigger nest egg.

ThirdFed Investments

Fixed Annuities: A fixed annuity is an interest-earning contract between you and a life insurance company that offers unique features and tax advantage benefits. Each year more savers and income seekers are buying fixed annuities to prepare and achieve future financial security.

Fixed Annuities have S.T.Y.L.E.

  • Principal guaranteed. With many annuities your principal is 100% guaranteed by the issuing insurance company.†
  • Money-back guarantee. Many annuities provide that you will not receive less money than you put into your annuity, less any withdrawals*. Premium taxes may apply in some states.
  • Strong Industry Ratings. Ratings from A.M. Best, Standard & Poor’s and Moody’s.
  • Supported by the Legal Reserve System. Operating since the beginning of the 20th Century. Insurance companies set aside assets to meet their obligations to policyholders.
  • Tax-deferred earnings. Deferral of taxes on interest earned allows your money that would have been taxed to grow faster.
  • Reduce current taxes. Defer paying state and federal income taxes on your annuity’s earnings until withdrawal*.
  • Tax control. Pay taxes when you make withdrawals* at the times you select.  Simplifies tax reporting (no 1099 form).
  • Helps protect Social Security benefits. Potentially minimize or eliminate taxation of social security benefits by reducing income by shifting taxable investments into a fixed annuity.
  • Competitive interest rate and no start-up fees. Earnings are typically higher than those of a savings account.
  • Guaranteed minimum rate. This feature assures you that your money grows consistently over time and that your interest rate can never fall below the guaranteed minimum rate.
  • Penalty-free withdrawals* available. You can withdraw a portion of your money at any time each contract year free of withdrawal charges (diminishing withdrawal charges on amounts over penalty-free withdrawal.)
  • Pays you an income you can’t outlive. Income options available in monthly, quarterly, semi-annual or annual payments (subject to minimums).
  • Proceeds available in lump sum (withdrawal charges may apply).
  • Hospital/Nursing home waiver. Many annuities offer full liquidity in the event of terminal illness, hospitalization, or nursing home confinement.
  • You select the beneficiaries. 100% of your money goes directly to the beneficiaries you choose, without delay of probate.
  • Tax control. Flexibility for your beneficiaries to receive proceeds over time or in a lump sum, providing them with potential tax control over the gains.
  • Not subject to creditor claims.

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DISCLAIMER

Annuities issued by American General Life Insurance Company (AGL).Issuing company AGL is responsible for contractual financial obligations of insurance products and is a member of American International Group, Inc. (AIG).

Products only available in Ohio and Florida.

Product and product features vary by state and insurance company.

* Guarantees based on claims paying ability of the issuing insurance company.

Withdrawals made prior to age 59 1/2 may be subject to a 10% federal income tax penalty.

There is no additional tax benefit for annuity contracts purchased within an IRA or other tax qualified plan, which is already afforded tax-deferred status.

Surrender charges may apply. Annuities are designed for long-term retirement investing.

ThirdFed Investments and ThirdFed Insurance are registered trade names of Third Federal Savings.

Registered representatives of INVEST Financial Corporation, member FINRA/SIPC (www.sipc.org / www.finra.org). INVEST and its affiliated insurance agencies offer securities, advisory services and certain insurance products. INVEST is not affiliated with other entities named. This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, or tax advice. You may wish to consult an attorney, tax advisor, or accountant regarding your specific situation. No representations are made as to the accuracy of the information contained herein or any information contained in any link provided herein.

Important Consumer Information: This site is for informational purposes only and is not intended to be a solicitation or offering of any security and; 1) Representatives of a broker-dealer ("BD") or investment advisor ("IA") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or are excluded or exempted from the state's licensure requirements. 2) Representatives of BD or IA deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation.

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Not FDIC Insured, Not Bank Guaranteed, May Lose Value, Not Guaranteed by any Government Agency, Not a Bank Deposit

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