Annuities

Offered Through PNC Investments

Annuities are contracts with insurance companies designed to help meet retirement and other long-term goals, and that have the ability to provide a steady stream of income. PNC Investments can help assess whether an annuity is appropriate for you.

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Overview

  • Contracts with insurance companies designed to help meet long-term goals with the ability to provide a steady stream of income
  • Investors make lump-sum payments or a series of payments over time, then receive payments from the insurance company in return
  • Annuities allow for tax-deferred growth of your investment during the “accumulation” phase, then make periodic payments to you during the annuitization, or “payout,” phase
  • You decide the length of time you’d like to invest, as well as the frequency and duration of the payouts
  • Income payments can be structured for a term as short as three years or for as long as a lifetime
  • Contracts can be tailored to your risk tolerance and your need for income now or in the future
  • Frequently used for retirement planning
  • Can also be arranged to provide income and benefits for loved ones
  • All annuities and annuity riders are subject to the claims-paying ability of the issuing insurance company
  • Withdrawals made prior to age 59 1/2 will be subject to federal income tax penalties unless an IRA exemption exists

 

Annuity Types

Understanding Asset Allocation

Determining the mix of investment types is one of your most important tasks as an investor.

 

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Associated Products & Services

The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Wealth Management® or PNC Institutional Asset Management®:

Investment Insurance

Insurance plays a key role in a well-balanced financial plan because your traditional savings and investment accounts may not meet all of your needs. At PNC Investments, we take the time to understand your family's financial goals.

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PNC Investments Advisor-Managed Accounts

Accounts managed on your behalf by a Registered Investment Advisor.

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Individual Retirement Accounts (IRAs)

Using both an IRA and an employer-sponsored plan, such as a 401(k), provides the opportunity to invest more for your retirement.

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How PNC Investments Does Business

Learn how PNC Investments does business, including our qualifications, business practices, fee schedules, and options for how you can work with us by reviewing our Client Relationship Summary, Overview of Products and Services and more. View Details »