What does your dream retirement look like?

Index funds are investment funds that follow a benchmark index, such as the S&P 500 or the Nasdaq 100. When you put money in an index fund, that cash is then used to invest in all the companies that make up the particular index, which gives you a more diverse portfolio than if you were buying individual stocks.

Retirement annuities promise lifetime guaranteed monthly or annual income for a retiree until their death. These annuities are often funded years in advance, either in a lump sum or through a series of regular payments, and they may return fixed or variable cash flows later on.

In general, annuities provide safety, long-term growth, and income. You can manage how much income and risk you're comfortable with. Annuities are a way to save your money tax deferred until you are ready to receive retirement income. They're often insurance against outliving your retirement savings. Annuities are mainly used for retirement and help individuals address the risk of outliving their savings. Create a more secure retirement with protected income from an AnnuityRetirement should be a time filled with adventure, discovery, and fun. But there are many things to consider, including how you’ll create protected lifetime income.Learn more about how an annuity can help make your transition into retirement a smooth one, with information and tools to get you started.

An individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. The three main types of IRAs each have different advantages: Traditional IRA - You make contributions with money you may be able to deduct on your tax return, and any earnings can potentially grow tax-deferred until you withdraw them in retirement. Many retirees find themselves in a lower tax bracket than pre-retirement, so the tax-deferral means the money may be taxed at a lower rate. Roth IRA - You make contributions with money you've already paid taxes on (after-tax), and your money may potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met. Rollover IRA - You contribute money "rolled over" from a qualified retirement plan into this traditional IRA. Rollovers involve moving eligible assets from an employer-sponsored plan, such as a 401(k) or 403(b), into an IRA.