Personal Finance
Personal Finance
Annuities

Annuities - investment contracts between you and an insurance company - are designed as a source of retirement income. When you invest in an annuity, you decide how long you want to receive income payments - three years, five years or for life - and how frequently you are paid - monthly, quarterly or at a designated time of your choosing. Annuities can also be tailored to your risk tolerance and your need for current versus future income, and can be set up to provide income and benefits for your loved ones.

The most common types of annuities are fixed-rate and variable rate structures that are either immediate (income) or tax-deferred. A PNC Investments Financial Advisor can help you determine the best product choice based on your needs and objectives. You can use the guidelines below as a starting point.

You can view the 2011 Additional Compensation Payments, which is the full list of annuity companies that make revenue sharing payments to PNC Investments and the amounts currently paid.

What do you need to do? Things You May Wish to Consider Product
Receive a stable, guaranteed income stream for life; supplement current income; provide income for your spouse or heirs; bridge an income gap
  • Supports low risk tolerance
  • Reduce risk of outliving assets
  • Pays guaranteed and fixed lifetime income
  • Carries a death benefit
Fixed-Rate Income Annuities
Shelter assets from the volatility of stock or bond markets; increase retirement savings on a tax-deferred basis; provide income for your spouse or heirs
  • Supports low risk tolerance
  • Good for long-term retirement planning
  • No limit to amount invested
  • Carries a death benefit
Fixed-Rate Tax-Deferred Annuities
Receive a guaranteed income stream for life; achieve higher returns over time; keep pace with inflation for long period; provide income for your spouse or heirs
  • Supports higher risk tolerance
  • Wide array of investment options
  • Pays guaranteed but variable lifetime income
  • Carries a death benefit
Variable-Rate Income Annuities
Prepare for retirement by achieving higher returns over time; keep pace with inflation for long period of time; increase retirement savings on a tax-deferred basis; provide income for your spouse or heirs; bridge an income gap
  • Supports higher risk tolerance
  • Wide array of investment options
  • Good for long-term retirement planning
  • No limit to amount invested
  • Carries a death benefit
Variable-Rate Tax-Deferred Annuities


Important Investor Information: Brokerage and insurance products are:



Securities and brokerage services are provided by PNC Investments LLC, a registered broker-dealer and investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered by PNC Insurance Services LLC, a licensed insurance agency.