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Qualified Annuity

What is a 'Qualified Annuity'

A qualified annuity is a financial product that accepts and grows funds, and is funded with pre-tax dollars. "Qualified" is a descriptor given by the Internal Revenue Service (IRS) to indicate that the qualified annuity may be eligible for tax deduction. When a distribution is made, it is subject to income tax.

Explaining 'Qualified Annuity'

A qualified annuity differs from a non-qualified annuity, which is an annuity funded with after-tax dollars. While distributions from a qualified annuity are taxed as income, distributions from a non-qualified annuity are not subject to income tax in their entirety. Qualified annuities are often set up by employers on behalf of their employees as part of a retirement plan.


Further Reading


Developments in decumulation: The role of annuity products in financing retirement
link.springer.com [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Household ownership of variable annuitiesHousehold ownership of variable annuities
www.journals.uchicago.edu [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Household demand for variable annuitiesHousehold demand for variable annuities
papers.ssrn.com [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Lifecycle impacts of the financial and economic crisis on household optimal consumption, portfolio choice, and labor supplyLifecycle impacts of the financial and economic crisis on household optimal consumption, portfolio choice, and labor supply
www.nber.org [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Lessons from behavioral finance for retirement plan designLessons from behavioral finance for retirement plan design
books.google.com [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Betting on death and capital markets in retirement: a shortfall risk analysis of life annuitiesBetting on death and capital markets in retirement: a shortfall risk analysis of life annuities
www.nber.org [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Annuities and their derivatives: The recent Canadian experienceAnnuities and their derivatives: The recent Canadian experience
papers.ssrn.com [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Financial incentives and retirement: evidence from federal civil service workersFinancial incentives and retirement: evidence from federal civil service workers
www.sciencedirect.com [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …

Variable annuities versus mutual funds: a Monte-Carlo analysis of the optionsVariable annuities versus mutual funds: a Monte-Carlo analysis of the options
www.sciencedirect.com [PDF]
… of these group programs provides insights regarding the feasibility of purchasing annuities with the … that that these rules do not substantially affect the private demand for annuity products … chapter also sketches the complex tax rules that govern payouts from qualified accounts in …


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