U.S. head of the household, age 25–64.
 "Retirement Savings Shortfalls: Evidence From EBRI's Retirement Security Projection Model(trademark)," Jack VanDerhei, EBRI Issue Brief No. 410 (February 2015).
An annuity is a contract you purchase from an insurance company, designed for long-term investing. The values will fluctuate based on investment option performance. Annuities have restrictions and limitations, and fees and charges will vary based on the product. You may be charged a penalty if you take your money out early. Withdrawals may be subject to ordinary income taxes, and if you are under age 59½, you may pay a 10% federal tax penalty. Please remember that investing involves risk, including possible loss of principal. All guarantees and protections are subject to the claims-paying ability of the issuing insurance company.